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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Rated 5 out of 5 stars

Really are as good as they say they'll be

The product range offered by Ultimate was as good and in some cases better than the other banks we approached. They're very cost-competitive. Their team are superb, starting with the RD Richard who was great during the evaluation and take-on process. Going forward once contracted, our Relationship Manager Michelle has been excellent - very responsive, pragmatic, patient and looks for solutions not problems. Her deputy Ahmed is a joy to interact with, he is so positive and again is very responsive. This is an elite and open minded outfit who are aiming for and delivering a level of service beyond what the sector has traditionally been able to offer.

6 August 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the fantastic feedback! We're thrilled to hear that Richard, Michelle, and Ahmed made such a positive impact - we believe great relationships keep businesses moving and we're delighted that they are showcasing this when working with you! It's great to know our service and solutions stood out and we’re proud to be your partner and look forward to continuing the journey together.

Rated 5 out of 5 stars

Ben Hunter

Having been working Ben for a considerable time now, e has always been on the end of the phone when needed. His knowledge has proven to be invaluable at times and he always has what's best for me and my business in his decisions.

30 July 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you very much for your kind words! We're thrilled to hear how valuable Ben’s support has been. His dedication and expertise truly reflect what we aim to deliver at Ultimate Finance. We look forward to continuing to support your success!

Rated 5 out of 5 stars

Trusted Funding Partner For Growth

Understanding your business model, strong communication, and responsiveness are essential qualities in any funder—and Ultimate Finance consistently delivers on all three. What sets them apart is their consistency, reliability, and the genuine partnership they offer. They’ve taken the time to understand our business and support our ambitions, acting not just as a lender but as a true growth partner.

A special mention to Ben Hunter, our Relationship Manager, who has been exceptional throughout—knowledgeable, proactive, and always available when we need him. We've been with Ultimate for several years now, and their ongoing support continues to be a key part of our growth story."

5 August 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for the fantastic review! We're thrilled to hear that our commitment to understanding your business and supporting your growth has made a real impact. We're proud to support your business and help you keep things moving!

Rated 5 out of 5 stars

It was, As we had never left

we thought we would give another glowing reference the ultimate finance we was with them before for about four years or so may be more. We had a break for nearly 2 years. This was because of a contract which helped our cash flow and it made sense to leave factoring As it was not cost-effective. Now that the contract has been completed We have now gone back It was great when we called Lesley Mouncher he said when we left, just give us a quick full and we will put everything back as it was we could not believe it. We made the phone call within a week, everything was back to exactly where we Left, So a big thank you to all the team and as always, Leslie has been great. We feel as though we have not been away and we are very much looking forward to the future with Ultima.

30 July 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thanks so much for the great feedback! We’re thrilled to have you back and glad the return was smooth and quick, just as Lesley promised. It’s a pleasure to support your business again, and we’re excited for what’s ahead.

Rated 5 out of 5 stars

Outstanding Service

We have been with Ultimate Finance for a number of years now with brilliant service always received. Our Relationship Manager Lesley Mouncher is always extremely accessible and on hand to help with any queries or help we need. This gives us so much confidence that the partnership with our business helps us as we continue to expand.

1 August 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for your kind words and continued trust over the years! We're delighted to hear that Lesley has been such a reliable and supportive partner to your business. It’s great to know our service gives you the confidence to grow.

Rated 5 out of 5 stars

Our Relationship Manager just makes…

Our Relationship Manager just makes this work. The speed of action and the flexibility of our facility contributes so much to the running of the business

31 July 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the fantastic feedback! We're so pleased to hear how much of a difference your Relationship Manager and the flexibility of your facility are making. We're proud to support your business and help you keep things moving!

Rated 4 out of 5 stars

Great Partners

Great Partners
I have been using the invoicing financing facilities provided by Ultimate Finance for a number of years and increasingly see them as a valued partner in my business.
Queries are promptly deal with and all the account managers I have dealt with over the years have been very personal, helpful and friendly.

16 June 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review! We’re absolutely delighted to hear that you see us as a valued partner in your business. Building long-term relationships and providing great, personal support is exactly what we strive for, so it’s fantastic to know our team has made a positive impact over the years.

Rated 5 out of 5 stars

Ben is extremely helpful and…

Ben is extremely helpful and professional. Always at the end of the phone when needed :-)

30 July 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the lovely feedback! We're really pleased to hear Ben has been such a reliable Relationship Manager for your business. We’ll be sure to pass this on to him! We appreciate your review and look forward to continuing to support you.

Rated 5 out of 5 stars

always professional

always professional, prompt, responsive and friendly

30 July 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for your kind words! We're delighted to hear how your experience has been, that’s exactly the level of service we aim to deliver every time. We really appreciate you taking the time to share your experience and look forward to continuing to support you.

Rated 5 out of 5 stars

Making it seem easy!!!

Making it seem easy is Ultimate Finance's USP!!! They seem to be able to say yes when others don't even listen to the question. Its a pleasure dealing with them!!!

8 July 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you very much for your review! We're thrilled to hear that you've had such a positive experience with us and that you believe what makes us different is that we're easy to work with - it's what we believe in too!

Rated 5 out of 5 stars

A great company to do business with

A great company to do business with, we felt listened to and our needs were completely understood. Plenty of hand holding during the initial steps, with real people at the end of a phone line.

27 June 2025
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Reply from Ultimate Finance

Thank you very much for you kind words! We're thrilled to hear that you felt well supported throughout your experience with us. We look forward to continuing to support you!

Rated 5 out of 5 stars

I have a great experience working with…

I have a great experience working with Ultimate Finance- they are professional, responsive and helpful.

21 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your kind words! We're so pleased to hear you've had a great experience with Ultimate Finance and we look forward to continuing to support you!

Rated 5 out of 5 stars

A very good company to partner with for your. Haines finance needs have used Ultimate Finance for over…

We have used Ultimate Finance for over 5 years now and have s found them flexible , and good listeners !

They have helped us build a very successful business from ground zero to where we are now !

Thank you Ultimate Finance for your support over the years here’s to many more .

21 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for your review and continued trust over the past five years. We're thrilled to have played a part in your journey and here's to many more years of partnership!

Rated 5 out of 5 stars

Ultimate Finance are fantastic

Ultimate Finance are fantastic, not only is their pricing competitive their customer service is second to none. They have displayed fantastic levels of common sense not least when we needed to tweak a few elements of our agreement. Thank you to Simon, Julian and their respective teams....Highly recommend

22 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your kind words! We're happy to hear that you've had such a positive experience with Ultimate Finance and its great to know that our customer service stood out. We appreciate your recommendation and look forward to continuing to support you.

Rated 5 out of 5 stars

The staff are extremely polite and very…

The staff are extremely polite and very helpful in all our queries

21 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review! We're pleased to hear that our team have been helpful in answering your queries. We look forward to continuing to support your business.

Rated 5 out of 5 stars

I have been using Ultimate Finance for…

I have been using Ultimate Finance for the past few years and it has been a great experience throughout. The team are always there to help and quick to respond. I would highly recommend to anyone needing to use this type of facility within there business.

12 May 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your review and for being a loyal customer of Ultimate Finance over the past few years! We're thrilled to hear that you've had a great experience with our services and that our teams efforts have made a positive impact on your business. Your recommendation means a lot to us.

Rated 5 out of 5 stars

Ultimate Finance

We have been with Ultimate Finance for a long time now, and we have really been able to push our business forward because of their support. Kaci and Debbie are fantastic to deal with and always on hand when we need them. I would really recommend this company and wouldn't use any other for our financial needs. Enterprise Workwear Ltd R. Cannon.

9 May 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your kind words and for recommending Ultimate Finance. We're delighted to hear that Kaci and Debbie have been fantastic to work with and we look forward to continuing to support your business.

Rated 5 out of 5 stars

What a great company to work with

What a great company to work with, they were there from the start and are such a pleasure to deal with. Nothing is too much trouble and their customer service and flexibility is second to none. You can always talk to a member of the team not a soulless automated machine that some of the big name lenders offer.

8 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for your kind words! We're thrilled to hear that you had such a positive experience with Ultimate Finance. Our team takes great pride in providing exceptional customer service, and it's fantastic to know that our efforts have made a difference for you. We look forward to continuing to support your business.

Rated 5 out of 5 stars

I've been using Ultimate Finance for…

I've been using Ultimate Finance for over a year, mainly for invoice factoring, and it's been a game changer. Cash flow was a constant challenge before, but their support has made things much smoother.

Our account manager Debbie has been brilliant—always friendly, proactive, and genuinely invested in helping our business run smoothly. Our credit controller Catherine has also been incredibly helpful, quick to respond, and great at resolving any issues that come up.

The whole process is easy to manage, and the funding comes through quickly when we need it. No hidden fees, no hassle—just reliable support from a great team.

E.thorpe

8 May 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the fantastic review! We're thrilled to hear that Ultimate Finance has been a game changer for your business.
Debbie and Catherine will be delighted to hear your kind words. We're glad you find the process easy and hassle-free. Thanks for choosing Ultimate Finance as your funding partner of choice.

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