Keeping business moving together
We’re a specialist asset-based lender with a simple goal: to support business ambition
Our funding solutionsThe funding partner of choice
We’re Ultimate Finance, a lender with over twenty years’ expertise, here to offer flexible funding solutions tailored to business needs. We fund growth. We fund ambition. We help with day to day cash flow pressures. With personal service that’s second to none and rated "Excellent" by businesses and introducers.
We’re unique
As an independent lender, backed by international private investment organisation, the Tavistock Group, we take a different and dynamic approach to lending.
We’re solution-led
Expertise coupled with flexible funding. We deliver what businesses need.
We’re committed
A dedicated team that values long-term relationships. We make life easier.
The right funding at the right time
To date we’ve lent over £10bn in funding. Our open approach to lending is just part of the story.
Invoice Finance
A simple way for businesses to release cash tied up in invoices.
- Up to £7m
- Personal dedicated Relationship Manager
- Online portal access
- Option to have Debtor Protection and / or Credit Control
- Specialist offering: Construction, Recruitment and Trade
Asset Finance
Enables businesses to invest in assets without the upfront cost.
- Up to £500k per asset / £2m per customer
- Balloon payment up to £100k
- Car costs up to £200k (inc. VAT)
- Terms up to 84 months
- Set-up within one working day
- Hire purchase, leasing and refinance options
Bridging Finance
Short term funding for a range of uses and property transactions.
- Up to £3.5m
- Up to 75% LTV
- Available for a host of business needs: Purchase Bridge, Development Exit, Re-Bridge
- Equity release options: Development Finish & Exit / Refurbishment
- Ongoing specialist relationship support
Structured Finance
Secure funding through a combination of different assets.
- Up to £10m
- Any combination of receivables, plant and machinery and or property, with cashflow loans in addition
- Dedicated deal team
- Single point of ongoing relationship support for all facilities
- No restriction on single line assets
Construction Finance
Release funds tied up in outstanding applications for payment
- Up to £1.5m
- Personal dedicated Relationship Manager from our specialist construction sector team
- Online portal access
- Rolling contract
Recruitment Finance
Pay your wage bills on time with cash advanced against placements
- Up to £7m
- Personal dedicated Relationship Manager
- Access to RSM’s Pay & Bill services
- Rolling contract
Trade Finance
Bridge the gap between paying suppliers and being paid by your customers
- Up to £1m
- Up to 120 days trade credit
- Personal dedicated Relationship Manager
- Rolling contract
Funding business ambition
We tailor finance solutions to meet the ambitions of businesses
Challenge:
Meeting growth ambitions
Solution:
- Invoice Finance
Industry:
- Kitchen manufacturer
Funding:
- £1.5m
Result:
This kitchen manufacturer was looking for a new funding partner to replace their existing but restrictive funding line with another provider.
Their financial adviser introduced them to us and we were delighted to provide them with a £1.5m Invoice Finance facility that will help them meet their turnover ambitions by the end of the year.
Challenge:
Expanding Trade
Solution:
- Asset Finance
Industry:
- Agriculture
Funding:
- £160k
Result:
This father and son agricultural contractor provides an additional workforce to farmers in the UK and needed to purchase a tractor, forage harvest and rotary rake to replace their existing machinery and enable them to take on more clients. We provided them with a £160k Asset Finance solution to acquire the equipment and keep their business moving forward by helping them expand their trade.
Challenge:
Completing properties
Solution:
- Bridging Finance
Industry:
- Property development
Funding:
- £1m
Result:
We're proud to have supported this established developer with a £1m Development Exit Bridging Loan.
Our facility helped to complete a development of 18 apartments which can now all be let out so the borrowing can be transferred to a longer term Buy To Let mortgage.
Challenge:
Cashflow management
Solution:
- Bridging Finance
Industry:
- Retail
Funding:
- £1.8m
Result:
This property developer required funding to refinance a previous facility that was utilised to assist with the purchase of a commercial site. Our bridging Finance deal allowed the company to purchase the property, enabling them to grow in size.
Challenge:
Cashflow management
Solution:
- Trade Finance
Industry:
- Design and wholesale
Funding:
- £350k
Result:
This product designer and wholesaler recently went through a change in ownership and the new management was seeking a funding partner that could support them with quick access to cashflow.
With our Invoice Finance and Purchase Finance facility in place they can now look at increasing their turnover and bring on new customers.
Challenge:
Targeting growth
Solution:
- Invoice Finance
Industry:
- Healthcare provider
Funding:
- £1.45m
Result:
This healthcare provider was looking for a new funding partner that could support their growth ambitions and provide a strong relationship-based approach, which was important to them.
Our £1.45m Invoice Finance facility will do just that, by boosting their cashflow and providing the support of a dedicated specialist Relationship Manager.
Challenge:
Keeping moving
Solution:
- Bridging Finance
Industry:
- Property development
Funding:
- £960k
Result:
With COVID-19 grinding their plans to a halt, this property development business needed more time to secure the sale of a property.
We refinanced their existing facility with a CBILS backed Bridging Loan so that their business can keep moving.
Challenge:
Meeting growth ambitions
Solution:
- Construction Finance
Industry:
- Construction
Funding:
- £200k
Result:
This construction business had outgrown their funding facility with another lender and was looking for a new funding partner prepared to help them meet their ambitions.
We were able to double their funding line through a Construction Finance facility to support their growth plans and provide them with the cashflow they need to keep their business moving.
Challenge:
Meeting growth ambitions
Solution:
- Trade Finance
Industry:
- IT hardware
Funding:
- £500k
Result:
We're delighted to be supporting this IT hardware reseller with a £350k Invoice Finance facility coupled with a £150k Trade Finance solution!
The fully tailored funding solution will assist the business in importing products and completing international orders whilst having extra peace of mind with bad debt protection so they can meet their growth ambitions and increase their profitability.
Challenge:
Business Recovery
Solution:
- Invoice Finance
Industry:
- Concrete Supply
Funding:
- £750k
Result:
This long-standing concrete supplier saw its business negatively impacted by the pandemic last year.
Although orders resumed quickly when the construction industry reopened in the summer, it has taken a lot of effort to make up for the disruption.
With their pipeline now back in full swing, our Invoice Finance facility will ensure they can access the cashflow they need on their road to recovery to meet their growth ambitions this year.
Challenge:
Business Acquisition
Solution:
- Structured Finance
Industry:
- Heating & Plumbing
Funding:
- £1m
Result:
We have provided a £1m structured finance facility to support the acquisition of a long standing and well known Air Conditioning and Heating & Plumbing business, via our Construction Invoice Discounting and CBILs term loan funding solutions.
The business trade had been impacted by the pandemic due to closure of sites resulting in delays and loss of turnover.
Our new facilities will allow the existing management team to work alongside the new owners in continuing to grow the business as the demand for clean ventilation increases.
Challenge:
Business Recovery
Solution:
- Asset Finance
Industry:
- Laundry
Funding:
- £240k
Result:
This laundry business was looking for a funding partner who could assist with their recovery after suffering losses during the pandemic.
Our Sale and Hire Purchase Asset Finance facility will enable them to get their business back in shape and keep it moving.
Challenge:
Development, Finish & Exit
Solution:
- Bridging Finance
Industry:
- Property development
Funding:
- £270k
Result:
This property developer has now taken their third Bridging Loan with us through our Development, Finish & Exit product.
Our equity release solution will refinance an existing facility, help complete the project and offer ample time to sell the finished units.
Challenge:
Improve efficiency
Solution:
- Asset Finance
Industry:
- Recycling
Funding:
- £200k
Result:
This business recycles scrap metal and wanted to purchase two new machines to improve efficiency and increase their turnover.
With our Asset Finance facility in place, they could get both at the same time without the big upfront costs or cashflow issues.
Challenge:
Cashflow management
Solution:
- Invoice Finance
Industry:
- Glass and gutter cleaning
Funding:
- £100k
Result:
This glass and gutter cleaning business was looking for a funding partner to help with their cashflow.
Their financial broker introduced them to us and we provided a £100k Invoice Finance facility to help them meet their ambitions.
We're now looking at refinancing some of their existing vehicles through our Asset Finance solution to release additional funding back into the business.
That's tailored funding made simple.
Challenge:
Increased demand
Solution:
- Asset Finance
Industry:
- Vacuum excavation
Funding:
- £150k
Result:
This business specialises in providing vacuum excavation services to the construction and utilities industries.
Although they historically solely hired their trucks, it now makes sense based on increased demand to acquire their own fleet with our Hire Purchase facility.
They plan to keep on bringing in vehicles as new contracts are secured to meet their growth ambitions.
Challenge:
Increased demand
Solution:
- Recruitment Finance
Industry:
- Recruitment
Funding:
- £300k
Result:
This Recruitment business saw an increased demand for temporary staff due to the effects of COVID-19.
To keep their business moving, we provided them with a £300k Recruitment Finance facility, which will help them achieve their £2m turnover target over the next 12 months.
Challenge:
Restructure
Solution:
- Invoice Finance
Industry:
- Metal manufacturer
Funding:
- £250k
Result:
This metal manufacturer was introduced to us as part of their restructuring plans for 2021.
After trade was impacted last summer, they have reworked their costs and cashflow management to recover quickly this year.
With a more agile team, smaller premises and us as their new funding partner, they now have all the tools they need to meet their
ambitions.Challenge:
Refurbishments
Solution:
- Bridging Finance
Industry:
- Property development
Funding:
- £300k
Result:
Bridging Finance lets you grow your business without impacting your cashflow.
With a £300k Bridging Loan, this property developer now has the working capital they need to complete planned refurbishments and cover associated costs and fees related to their wider portfolio.
Challenge:
Business Recovery
Solution:
- Invoice Finance
Industry:
- Dairy wholesale
Funding:
- £250k
Result:
This dairy product wholesaler saw its yearly turnover negatively impacted by the pandemic.
Our £250k Invoice Finance facility will provide them with the cashflow they need to help the business keep moving and meet their recovery ambitions.
Challenge:
New machinery
Solution:
- Asset Finance
Industry:
- Recycling
Funding:
- £262k
Result:
This recycling plant is one of the only businesses in the UK to purify copper and were looking to take on a new machine to help with the increased demand for the metal.
Our Hire Purchase facility has enabled them to acquire the machine without the upfront costs and will help increase their profitability in the long run.
Challenge:
Fast-tracking growth
Solution:
- Invoice Finance
Industry:
- Ambulance services
Funding:
- £750k
Result:
This company who provides sub-contract ambulance services was looking for a new funding partner who could help fast-track their growth plans by having a thorough understanding of their needs and dedicated personal service.
With our £750k Invoice Finance facility in place, they're now fully able to meet their ambitions.
Challenge:
Strategy upgrade
Solution:
- Invoice Finance
Industry:
- Door supplier
Funding:
- £150k
Result:
This established industrial door supplier is looking to modernise its marketing strategy without suffering a direct impact to its cashflow.
Our £150k Invoice Finance facility allows them to use the cash they're owed early to keep growing the business and meet their ambitions.
Challenge:
Refurbishments
Solution:
- Bridging Finance
Industry:
- Property development
Funding:
- £526k
Result:
This developer saw their plans to refurbish and sell a property derailed by the pandemic and had no choice but to rent it out instead.
Our facility has now provided them with the cash and time they need to refinance it on to a Buy To Let mortgage as they had originally planned.
Challenge:
Meeting growth ambitions
Solution:
- Construction Finance
Industry:
- Construction
Funding:
- £1m
Result:
After a most challenging year which saw contracts postponed or even cancelled, this construction company was looking for a funding partner that could help them keep moving.
Our £1m funding facility will provide the much needed working capital the business relies on
to help meet its growth ambitions.Challenge:
Purchasing an asset
Solution:
- Asset Finance
Industry:
- Plant hire
Funding:
- £300k
Result:
This plant hire business has recently won a new contract which will help them on their growth journey.
Our £300k Hire Purchase solution will allow them to purchase more plant to hire out to the new client without the big upfront costs so they can keep their business moving towards their ambitions.
Challenge:
Meeting growth ambitions
Solution:
- Invoice Finance
Industry:
- Air treatments
Funding:
- £400k
Result:
This business provides air treatment systems which improve, purify and monitor the airflow in internal spaces. Recently, they secured the distribution rights for a new treatment solution to proven to help against COVID-19 and therefore needed a new funding partner to assist them in meeting their ambitions.
Our £250k confidential Invoice Finance facility paired with a £150k Trade Finance solution will help them keep their business moving as they continue to install the equipment in NHS buildings.
Challenge:
New machinery
Solution:
- Asset Finance
Industry:
- Recycling
Funding:
- £114k
Result:
This sustainable recycling company urgently needed a funding partner who could help them acquire a new granulator and separator to assist with increasing productivity and revenue.
Despite some challenges surrounding the deal due to having to source from multiple suppliers, requiring a landlord's waiver and a tight deadline, we were able to provide a Hire Purchase facility to keep the business moving towards their ambitions.
Challenge:
Cashflow management
Solution:
- Invoice Finance
Industry:
- Waste management
Funding:
- £900k
Result:
This waste management business has been investing into its future for the past few months which has generated a large amount of upfront payments and caused a dent in their cashflow.
As a result, they were on the lookout for a new funding partner to replace their existing but unfit funding line in order to keep their business moving.
With our facility and selective debtor protection in place they now have all they need to meet their ambitions this year.
Challenge:
New machinery
Solution:
- Asset Finance
Industry:
- Farming
Funding:
- £115k
Result:
This beef farming business was facing issues ranging from lost time and income to incurring additional costs due to having to operate with a faulty tractor.
With our Hire Purchase Asset Finance solution in place, they were able to acquire a brand new tractor in no time and without having to worry about any large upfront payment.
Challenge:
Increased demand
Solution:
- Invoice Finance
Industry:
- Clothing
Funding:
- £250k
Result:
This wholesaler of sustainable clothing specialises in bulks of custom-made orders for events, concerts and festivals. With live events now fully resuming, they were looking for a new funding partner that could help them meet their ambitions.
With our £250k Invoice Finance facility they can now take on more orders and increase their turnover to keep moving towards their growth targets for the year.
Challenge:
New machinery
Solution:
- Asset Finance
Industry:
- Construction
Funding:
- £60k
Result:
This construction business was looking for a funding partner that could assist them in purchasing new equipment to help keep their business moving.
We were able to provide them with the cash they needed to meet their ambitions without disruption to their cashflow by refinancing an unencumbered truck.
Solutions that work for businesses and introducers
It’s why more and more businesses are choosing us as their funding partner of choice
Our latest insights
Keep up with the latest news, blogs and opinion
News & Events
Understanding the Government’s Latest Budget: Key Changes for Businesses
20-11-2024
News & Events
Offering Working Capital cashflow loans now up to £500k
18-11-2024
News & Events
Ultimate Finance strengthens its team in the North with two new hires
11-11-2024
News & Events
You don’t have to climb mountains to boost employee engagement – but it helps
04-11-2024
Let’s get things moving
If you would like to talk to us about any funding needs, call us on 0800 121 7757, register as an Introducer or request a quote for your business today