Funding for the retail and wholesale industry

Businesses in the retail and wholesale industry are greatly positioned to use asset-based funding solutions to help them keep moving and meet their ambitions. With over 20 years’ experience in providing flexible funding to cater to the unique needs of businesses, Ultimate Finance’s range of solutions can help with most supply chain funding needs.

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The retail and wholesale industry in the UK

The retail and wholesale industry in the UK was responsible for £441bn worth of trade and about 3m jobs in 2022. The industry is spread across a multitude of sectors including:

  • Food and grocery
  • Clothing
  • Homeware
  • Furniture
  • Construction
  • Gardening
  • Electricals
  • Health
  • Beauty

How can asset-based lending help businesses in the retail and wholesale industry?

In recent years, the industry has been one of the most impacted by difficult trading conditions brought on by new rules ushered in by the UK leaving the European Union, effects of the pandemic and the Russian invasion of Ukraine, alongside rising costs and shortages of supplies, materials and workers.

Asset-based lending solutions can help alleviate some of the day-to-day pressures these businesses have been experienced and provide much-needed breathing room to facilitate further growth by providing strategic access to liquidity, ongoing cashflow and/or short-term cash injections.

Invoice Finance for the retail and wholesale industry

Working Capital Finance such as Invoice Finance helps to improve cashflow by providing access to the cash tied up in invoices yet to be paid, which makes it a great solution for businesses in the retail and wholesale industry where they sell to other businesses on credit terms. Instead of having to wait until the end of the preferred terms for a client to repay, the funds are accessible within as quickly as 24 hours from invoicing, making it much easier to manage cashflow on a daily basis or save up for future growth plans, such as expansion, new hires or investing in new product lines. Common issues that Invoice Finance solutions have already helped businesses solve include seasonality, stock increases, supplier payments, staff wages, and growth opportunities.

At Ultimate Finance we offer:

  • Funding up to £7m
  • Up to 95% of the value of invoices within 24 hours of raising them
  • Support from a dedicated Relationship Manager
  • Tailored facility with options to add confidentiality, collection services and bad debt protection
  • 24/7 management of account via online portal
  • Rated 4.9/5 on Trustpilot


Asset Finance for the retail and wholesale industry

Asset Finance allows businesses to acquire assets such as equipment, plant, machinery and vehicles without having to pay the full cost upfront or a hefty deposit. For businesses in the retail and wholesale industry, Asset Finance can help with improving cashflow by spreading the cost of an asset in easy-to-manage monthly repayments or investing in new assets such as delivery vehicles and machinery to unlock future growth or keep moving. Refinancing, which allows for funding to be accessed against existing assets, can also provide a quick injection of cash when needed.

At Ultimate Finance we offer:

  • Hire Purchase, Lease Financing and Refinance solutions
  • Up to £1.5m per customer
  • Up to £500k per asset
  • Terms from 12 to 60 months


Structured Finance for the retail and wholesale industry

Ultimate Finance is a specialist lender that offers fully tailored Structured Finance solutions that allow businesses to access up to £10m in funding against a combination of assets such as deliverables, plant and machinery and/or property. Structured Finance solutions are flexible and bespoke, designed to meet the specific and unique needs and goals of a business. Whether it is for working capital, growth, acquisition, or even restructuring, we can provide a solution that will help a business keep moving and achieve their ambitions.


“Businesses in the retail and wholesale industry face many challenges in today’s competitive and uncertain market. They need flexible and fast funding solutions to help manage their cashflow, stock levels and growth opportunities. At Ultimate Finance we understand these needs and offer a range of tailored products and services designed to help them succeed. We are very proud to support businesses in the industry with our expertise and experience”.

Josh Levy, CEO

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Frequently Asked Questions

Get funding for your business

If you would like to talk to us about any funding needs, call us on 0800 121 7757 or request a quote for your manufacturing business today