Ultimate Finance Reviews 

1,050
TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Evaluating 116 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff for their prompt communication, friendly attitude, and genuine support during important financial transitions. People note that the professional team consistently goes above and beyond to make complex funding processes completely smooth, simple, and totally stress-free for growing businesses. Some reviewers were happy with the incredibly easy-to-use digital platform and its lasting positive impact on daily business cash flow. Consumers also mention that dedicated relationship managers are always readily available to offer expert guidance, quick responses, and reliable assistance whenever any unexpected operational challenges arise.

What people talk about most

Staff

Customers had positive experiences with staff, frequently noting that reviewers found the team extremely... See more

Service

Reviewers mention positive feedback about service, frequently highlighting exceptional support and a smooth... See more

Customer service

Reviewers highlight positive aspects of customer service, frequently praising the team for being... See more

Response time

Customers consistently note positive experiences with response time, highlighting that relationship managers... See more

User experience

Clients share positive opinions on user experience, highlighting that the online portal and systems are... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Ultimate stepped in at last moment as an invoice finance provider. Adam and his team moved mountains to get an acceptable deal onboard in record time.... 10 working days from initial conversation to p... See more

Company replied

Rated 5 out of 5 stars

Ultimate Finance are one of our 'go to' funders - they're quick and incredibly easy to use. Our contact is Jamie Glenn and he's one in a million! There aren't many BDM's that are like him nowaday... See more

Company replied

Rated 5 out of 5 stars

We have been working with Ultimate Finance for so many years. Their support has made a real difference to our cash flow, allowing us to focus on growth without financial stress. The system is easy t... See more

Company replied

Rated 5 out of 5 stars

When choosing a finance factoring company, we look for consistent cash flow, timely responses, and reliable customer service. Ultimate Finance has delivered all of this exceptionally well. We’ve... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Business to Business Service
  4. Financial Institution

About Ultimate Finance

Written by the company

Keeping business moving

At Ultimate Finance, we’re committed to delivering the right funding solutions for UK businesses. With over 20 years’ experience in the lending market, you can rely on our expertise to achieve impressive results. The kind of results that will see clients and introducers come back again and again.

The Right Solution

Creative, flexible thinking First and foremost, we’re customer led. We listen to what clients want. Then we apply our funding expertise to deliver what they need. It’s funding that works.

The Right People

Valuable insight, dedicated support With us you’ll have the dedicated support of funding experts, skilled underwriters and product specialists – strategically placed throughout the UK to offer a truly personal service.

The Right Process

Speed, ease, quality Skilled funding specialists and the latest technology allow us to seamlessly manage the process from start to finish, and keep you up to date as we go.

The Right Partner

Long-term commitment We’re not just a lender, but a partner. People you can build a long-term relationship with. People who will provide a truly integrated service. And who will essentially become part of your team.

The Right Choice

We’re in a uniquely strong position The flexibility and personal service of an independent specialist, combined with the backing of the Tavistock Group enable us to bring breadth and depth to our funding solutions

Get funded Become an introducer

Our funding solutions

Written by the company

Invoice Finance
Waiting to be paid is hard on any business. Invoice Finance lets businesses use their sales ledger as an asset which they can borrow against. It’s a simple way to release the cash that’s tied up in unpaid invoices. Instead of waiting weeks or even months to be paid, the cash can be accessed within 24 hours.
Asset Finance
We make it easy to get the equipment a business needs without the upfront costs through Hire Purchase, Lease or Refinance. And we’re fast. Finance is usually in place within 24 hours.
Bridging Finance
Where property is concerned, speed is everything. We’re able to have a decision in principle within 24 hours, and a fully credit backed offer within 72 hours.
Construction Finance
Construction businesses can often face cashflow challenges whilst waiting for customers to pay. New contracts are great for business, but they also bring with them new expenses, such as buying supplies upfront and paying additional wages, often leading companies to need to tap into their working capital before they receive their first payment. Construction Finance frees up the liquidity needed to complete existing contracts whilst looking to take on new ones so that growth ambitions aren’t slowed down.
Recruitment Finance
Recruitment Finance is a type of Working Capital Finance tailored to the needs of businesses within the Recruitment industry. It’s a complete finance and back office package in one simple to manage facility. We advance cash against temporary or permanent placements so that there is no need to wait for clients to pay invoices, as well as facilitate the processing, payroll and credit control demands by giving you access to RSM’s market-leading Recruitment Pay & Bill services.
Trade Finance
A simple way to bridge the financial gap between paying costs for the supplies a business needs and being paid by their customers with up to 120 days' trade credit available.
Structured Finance
Tailored funding through a combination of different assets: receivables, plant and machinery and / or property, with cashflow loans also available). We use our funding expertise to fully tailor a solution that is bespoke to a business to fully meet its requirements.

Contact info

5.0

Excellent

TrustScore 5 out of 5

1K reviews

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5.0

All reviews

(1,050)

115 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Great team ..

Great team ... always supportive and insightful and a real pleasure to work with

5 June 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review - we really appreciate it! We're delighted you've chosen us as your business' funding partner of choice!

Rated 5 out of 5 stars

Financial Controller

The Ultimate team have been incredibly helpful and supportive to the business and in helping us to grow.
Eve and Holly are always responsive with help and advice, which is always clear and professional.
Eve has visited us recently and it's great to deal with someone that takes the time to understand the business.
Thank you to the whole team for your continued support.

3 June 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your great review – we’re delighted to play a part in your success story! We’ll be sure to pass your kind words on to Eve and Holly. Being responsive, clear, and professional is exactly what we aim for, and it’s fantastic to know Eve’s visit made a difference too. Taking the time to properly understand your business is exactly what a true partnership should look like. We’re looking forward to continuing to support you as you grow.

Rated 5 out of 5 stars

Easy to use system & supportive managers

From a user's perspective, the portal is super easy to use & all the data is easily accessible.
From a management perspective, our relationship managers Dan Iwanczuk & Keiran Clayton are very responsive & helpful, which as a new user has been invaluable. I would highly recomend.

2 June 2026
Unprompted review
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Reply from Ultimate Finance

Thanks so much for your review! We’re really pleased to hear that you’re finding the portal easy to use. We’ll make sure Dan and Keiran see your comments too. Starting with a new platform should feel straightforward, and it’s great to know their responsiveness and support have made a real difference - that’s exactly what we strive for. We look forward to continuing to support your business and are delighted to be your funding partner of choice.

Rated 5 out of 5 stars

Regretting...

I had been with Ultimate Finance for many years and recently moved to a new provider. I regret the move.

It has made me realise just how good the service was from Ultimate Finance and RSM. The customer service was attentive, responsive and genuinely caring. They understood small businesses. They understood that sometimes a quick answer on a drawdown really matters, and that access to finance at the right moment can make a huge difference.

That is what made them stand out. They didn’t just process things — they seemed to actually care.

I am now with a provider that has shown me the other end of the scale. I have spent more time correcting payroll and invoicing errors than any saving could ever justify. Their ticketing system has been painful, and the mistakes have left me embarrassed in front of clients. Without spelling it out too strongly, I will be lucky if I retain two of them.

So yes, I wish I had stayed with Ultimate Finance and RSM.

Ben, Lisa and the team were brilliant.

1 March 2026
Unprompted review
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Reply from Ultimate Finance

Thank you for such an honest review and for being with Ultimate Finance for so many years. We’re really glad the service from us made a difference when timing mattered. Small businesses move fast, and our job is to help keep things moving.
We’re sorry to hear you’ve had a difficult experience since moving, but we really appreciate you calling out Ben, Lisa and the wider team - we’ll make sure they see your comments. We hope to be able to support you again in future!

Rated 5 out of 5 stars

Recently moved over from Bibby to UF.

Recently moved over from Bibby to UF.
Sarah Harrison was amazing from start to finish.
Platform is very user friendly and the entire process was efficient.
My AM's - Simon and Kaci have been on hand and really helpful with me getting used to their systems and processes. Highly recommend the service thus far.

1 May 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for choosing Ultimate Finance as your funding partner of choice. It’s brilliant to hear Sarah made the whole process smooth and we’ll also be sure to pass your kind words on to Simon and Kaci. We're delighted to play a part in your success story and look forward to supporting you and your business.

Rated 5 out of 5 stars

Excellent customer service

We have been working with Ultimate for 2 years now and are very happy with the service, speed and professionalism of the team.

5 May 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the kind review and for your loyalty over the past 2 years. We’re really pleased to hear you’ve been happy with the service, speed and professionalism the team delivers for you and your business - it's exactly what we aim to offer to help you meet your ambitions.

Rated 5 out of 5 stars

Great experience with Ultimate

Great experience with Ultimate. Louis always goes the extra mile in looking after loyal users of the facility.

30 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the great feedback. Louis will really appreciate the mention, and going the extra mile for the businesses we support is part of our DNA here at Ultimate Finance.

Rated 5 out of 5 stars

Financing made easy.

Today's world is a different one from when I started 23 years ago and so have to adapt accordingly. With the help of the team at Ultimate Finance I was guided through the process which only took three weeks from beginning to end. I have a great relationship with both my Relationship Manager and Credit Controller who are both only ever a phone call away. My only regret is that I should have jumped on board with them years ago.

28 April 2026
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Reply from Ultimate Finance

Thank you for your review. It’s great to hear you’ve built such a strong relationship with your relationship manager and credit controller, and we look forward to continuing to support your business.

Rated 5 out of 5 stars

We have had a great 3 years with UF and…

We have had a great 3 years with UF and would highly recommend there services

27 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review. We really appreciate your loyalty and we look forward to continuing to support your business.

Rated 5 out of 5 stars

Many thanks to Ultimate Finance and the team behind

We worked with Ultimate Finance for over two years, and their support has been instrumental in our growth. Their invoice discounting service gave us the flexibility and cash flow we needed to keep the business moving forward, especially during key stages of expansion.

A special mention to our account manager Jane and her team, who were incredibly supportive throughout. During more challenging periods—especially when some of our customers went into bankruptcy and it had a real impact on our cash flow—they were understanding, flexible, and proactive in helping us access additional finance when we needed it most.

The team has always been professional, responsive, and easy to work with, making what can sometimes be a complex process feel straightforward and manageable.

Thanks to their support, we’ve now reached a position where we can sustainably manage our own cash flow. We truly appreciate the role they played in helping us get here and would highly recommend their services to any growing business.

23 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for such a thoughtful review, and for trusting us to support you through two years of growth and challenging periods. We’ll be sure to pass your kind words on to Jane and the team and we’re delighted the facility helped keep things moving, and we wish you every success as you continue forward.

Rated 5 out of 5 stars

Very helpful

Very helpful, quick responses, friendly and demonstrate a clear understanding of our needs.

21 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review. We firmly believe that it's only by fully understanding how a business actually operates that we can truly support its ambitions - we're delighted to see that our approach is benefiting your business.

Rated 5 out of 5 stars

Our company was facing funding issues…

Our company was facing funding issues related to growth. Great problem to have you may be thinking. It is one of the biggest challenges facing SME's in fact. Ultimate stepped in when we were financially restructuring for the third time in 18 months and took time to understand what was driving our requirement and were able to provide funding to suite our business. All in all my experience with the Team at Ultimate was excellent.

9 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your great review. We’re really pleased we could step in, take the time to understand your business and put a facility in place that suited the way your business operates. We are looking forward to continuing to support your business.

Rated 5 out of 5 stars

Tailored funding approach

Tailored funding approach. Account managers demonstrate understanding of our business, our cash requirements and provide a flexible tailored solution. Great partner to be dealing with.

15 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for taking the time to share about your experience, we really appreciate it. We believe that helping your business keep moving requires a full understanding of how your business works, so we make sure our Relationship Management team excel at it. We're delighted to see it makes us your funding partner of choice and we look forward to continuing to support your ambitions.

Rated 5 out of 5 stars

A funding partner you can trust

Moving our factoring account to Ultimate Finance was one of the best moves we’ve made as a company. Not only have they proven to be cheaper than our previous provider, they’ve also played a major role in our growth. Their fast funding and incredible industry knowledge have helped improve our decision-making and move the business forward with confidence.

15 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review and for trusting us as your funding partner of choice - we know switching providers can be a daunting task, and we're delighted that the team has made it as easy as can be and worthwhile. We're proud to be able to help you meet your ambitions and to play a part in your success story.

Rated 4 out of 5 stars

The staff are always helpful with any…

The staff are always helpful with any issues and are supportive to the business needs.

13 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your great feedback. We are delighted to hear our support has made a difference to your business.

Rated 5 out of 5 stars

Great company

Great company with all attention to us and our needs.
Have a few meetings in person to understand the company, the UF site and our needs. Staff are very helpful and easy reachable.

8 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review. We’re really pleased you’ve had such a positive experience with us. We truly believe in doing all we can to fully understand your business and become an extension of your team so we can best support your ambitions - we're delighted to hear you value this too!

Rated 5 out of 5 stars

Worked with Chris and Stewart and the…

Worked with Chris and Stewart and the team was really straight forward and many thanks to everyone

3 April 2026
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review, Chris and Stewart will be delighted to hear this! We look forward to continuing to support your ambitions.

Rated 5 out of 5 stars

We have dealt with Michelle at Ultimate…

We have dealt with Michelle at Ultimate Finance for many years.
I cannot speak highly enough of the company and how they conduct business.
5 Stars all day long.

2 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review and for your loyalty over the years. We are delighted to hear you have had such a positive experience and we look forward to continuing to support your business for many more years!

Rated 5 out of 5 stars

We recently moved over to Ultimate…

We recently moved over to Ultimate finance via Adam Myers who was our lead; from start to finish everything was smooth. We are now working with Michelle and Ahmed and are very impressed with the experience and maturity on a day to day basis. We are in safe hands knowing we are working with such a great company and staff who are so helpful and keen to see us grow. I am so glad we have moved over to Ultimate Finance.

2 April 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review. We are glad to hear everything has gone so smoothly since moving to us and Michelle and Ahmed will be delighted to hear your positive experience with them. We are looking forward to continuing to support your business.

Rated 5 out of 5 stars

Ultimate Finance supported us through…

Ultimate Finance supported us through every step of the process with total efficiency, and you feel 100% of the way that they are there to help. Excellent communication and response time too. Painless experience, not at all usual in the financial market.

9 March 2026
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for such a great review, we really appreciate it! We are delighted to hear you have had such a positive experience and thank you for choosing us as your funding partner of choice.

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