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. #9 of 171 best companies in Non-bank financial service
  2. #4 of 104 best companies in Alternative Financial Services
  3. #2 of 119 best companies in Business-to-Business service
  4. #2 of 101 best companies in 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

UF are very responsive

UF are very responsive, there is always someone available to help with any queries. They seem to go out of their way to be helpful

29 October 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for sharing your feedback with us, we're proud to see our service ambitions haven't gone unnoticed and look forward to continuing to support you and your business!

Rated 5 out of 5 stars

Confidence in the support/assistance provided

As a business we need to have confidence in any financial bodies that we use. After many years Ultimate Finance continue to be a solid and reliable cornerstone for us. The team are always on hand to assist with any queries and our client manager Ben is always very easy to work with and fits seamlessly with our work ethics. Looking forward to continuing our working relationship.

29 October 2025
Unprompted review
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Reply from Ultimate Finance

Your confidence means everything to us, and we're delighted to have been your funding partner of choice the past few years! Relationships mean a lot to us, and we're proud to see your business thrive with our support!

Rated 5 out of 5 stars

Prompt and Professional

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 payout! Overcame a lot of obstacles put in the way by 3rd parties. On a day to day basis operationally very good - Ahmed who manages our ledger provides very prompt communication - which is a huge change from what we were used to with a previous provider. All round ten out of ten!

29 October 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for sharing your experience with us, Andrew! We've made it our mission to help businesses like yours meet their ambitions, and we're proud to play a part in your success! We're proud of the great service the whole team has delivered so far, and we really appreciate your 10/10 rating!

Rated 5 out of 5 stars

ive been with Ultimate for quite a few…

ive been with Ultimate for quite a few years, they are always there to help and i believe communication is a big factor within business and this is what we get from them if you need help they will find a way to help you so yes we are very happy with there service

29 October 2025
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Reply from Ultimate Finance

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

Rated 5 out of 5 stars

Ultimate Finance offer complete trust…

Ultimate Finance offer complete trust and peace of mind and assures us that CS Onsite Solutions are in good hands surrounding our funding requirements, they clearly understand that the professional welfare of our contract staff is of top priority to us and that this is how we maintain a successful profitable business. The service offered by Ultimate Finance allows us to concentrate on the running and growth of the business at ground level with the confidence that we have the funding facility behind the scenes delivering us with a professional, friendly and compliant banking facility to complement our high standards and all the hard work involved running a Construction Recruitment business.

Ultimate Finance gives an exclusive personal service. CS Onsite Solutions have built an excellent relationship with the staff namely Helen Rushworth, Hannah Lester and Jackie Hunt. Everyone we have worked with has been superb at spotting errors and generally getting the "job done". The team are always happy to respond to any concerns and have made it transparent that they will endeavour to work with us through any challenges we may incur in our business.

I would describe Ultimate Finance as efficient, cost effective and personal.

Would I recommend Ultimate Finance ? 110% I would !!!

29 October 2025
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Reply from Ultimate Finance

Thank you Jim for such a fantastic review - and for the 110% recommendation! It’s brilliant to hear that our funding facility gives you the trust and peace of mind to focus on running and growing your business - it’s great to know our support helps behind the scenes.

We’re delighted you find our service efficient, cost effective and personal. We’ll make sure your kind words reach the team - they’ll be thrilled to hear their attention to detail and responsiveness are making a real difference.

We’re proud of the relationship we’ve built and we’re here whenever you need us!

Rated 5 out of 5 stars

Ultimate Finance Definitely Lives Up To Its Name

Ben Hunter and his team at Ultimate Finance are professional, responsive, and truly understands our business needs. Their processes are efficient from start to finish — everything is explained clearly, and they always go above and beyond to ensure we have the support we need.

The level of customer service and attention to detail really sets them apart from other factoring companies. Communication is always prompt and friendly.

I highly recommend Ben and Ultimate Finance for any business looking for reliable and efficient financial support. Ultimate Finance definitely lives up to its name!

Sara
J & G Mastics

29 October 2025
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Reply from Ultimate Finance

Thank you for such incredible and in-depth feedback, Sara - we couldn't ask for more! We're delighted to see you're satisfied with your facility and the support you receive from Ben and the rest of the team! Thank you for recommending us to other businesses, we really do appreciate it!

Rated 5 out of 5 stars

Absolutely super fab friendly team

Absolutely super fab friendly team! Eve waterman Holly West always go above and beyond to help me, can’t thank them enough.
Fantastic company.

28 October 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for sharing your experience with us Karina, we really appreciate it! We're proud to see our team has set the bar very high when it comes to supporting you and your business!

Rated 5 out of 5 stars

Outstanding Support from UF Team

Ahmed, Sharon, and Michelle from UF are always there when needed. Their reliability, professionalism, and friendly attitude make every interaction easy and pleasant. They consistently go the extra mile to help, ensuring everything runs smoothly. A truly dedicated and supportive team who make a real difference every single time!

28 October 2025
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Reply from Ultimate Finance

Thank you for such a great review Nikki, we're delighted to share it with the team! We're proud to be your funding partner of choice and look forward to continuing to support the ambitions of your business!

Rated 5 out of 5 stars

Ultimate finance

I have been with a Ultimate finance few years now and there service is brilliant and my account manage Kaci is always available and always able to help me with my requirement's to keep my business running smoothly would highly recommend Ultimate .
thanks Kaci

28 October 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for taking the time to share your experience with us Simon, we really appreciate it! We're delighted to see you're satisfied with your facility and the support Kaci and the team bring alongside it!

Rated 5 out of 5 stars

Best of the bunch

We have been with Ultimate for a few years now, but have used other IDF companies before and Ultimate are far more helpful and easy to deal with.

28 October 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the great feedback Lisa, we're proud to be top of your list when it comes to a funding partner!

Rated 5 out of 5 stars

Great deal team

Great deal team. Very responsive and full of practical ideas. Good access to their decision-making credit authority. Followed through on what they promised.

24 October 2025
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Reply from Ultimate Finance

Thank you for taking the time to share your feedback with us, we're proud to have met your expectations on all fronts!

Rated 5 out of 5 stars

Professional & Positive

Ultimate Finance have been great to work with, responsive, supportive, and efficient.

They’ve made managing our funding simple and stress-free.

Our relationship manager Dan is always on hand if any additional needs are required.

24 October 2025
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for taking the time to share your experience with us here, it's much appreciated! We're delighted you've found our support meets your expectations when it comes to your funding partner of choice!

Rated 5 out of 5 stars

So much support

Dawn explained the process so clearly and was extremely patient with all the questions I had. As a business we've never used this type of facility before so took a bit to get my head around. The support is amazing and Jack is always so quick to respond and sort out any problems or answer any queries.

17 September 2025
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Reply from Ultimate Finance

Thank you so much for your kind words! We're delighted to hear that Dawn was able to guide you clearly through the process and that Jack has been quick to support you along the way. We understand that using a new type of facility can feel like a big step, so it’s great to know our team made it easier for you. We really appreciate you taking the time to share your feedback!

Rated 5 out of 5 stars

Great Invoice Factoring

Great Invoice Factoring

As a company we have been using Ultimate Finance since Jan 2025.

Getting on board with them was a easy process, and since we have been with them, the service we have received has been excellent.

Terri & Louis who are my contacts with the company have always been very helpful and always there to assist.

Would highly recommend them.

1 September 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for your great review! We're glad the onboarding was smooth and that Terri and Louis have been so helpful. We really appreciate your recommendation and look forward to continuing to support your business.

Rated 5 out of 5 stars

Excellent Funding Partner

We got Ultimate Finance onboard recently, and I have to say, I am very impressed by the tailored service offering and exceptional personal approach.

They spent a lot of time understanding our business, so they can offer us the best fitting financial product and service, and were extremely patient with us during our onboarding.

Not to mention, they are a bunch of lovely people, who are great to work with.
Thank you, Julian Cassen, Simon Bell and Holly West for all your help in such an important undertaking.

25 August 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for the kind words! We’re really glad our personal approach has made the difference. Julian, Simon and Holly will be thrilled to hear this. We look forward to continuing the journey together.

Rated 5 out of 5 stars

Thankyou! Thankyou! Thankyou!

We have just re-joined Ultimate Finance and I thought I would just put on here what I have emailed to our credit controller (Sharon Evans) which says everything I needed to say!
"I just wanted to say thank you everso much with helping (and continuing to help) me with sorting everything out with our uploaded invoices. You are so very kind, helpful and understanding, letting me know what/how is the best way to resolve issues with things like part-payments/overpayments etc. I also have complete confidence that you will help me when I make a mistake (it does happen!) or my computer does something very strange (again, it has happened)!
You're an absolute treasure to work with (and so is Lesley, our account Manager) - we seem to have gotten along from the very first. From our last experience with Ultimate I'm not surprised. Ultimate clearly employs the very best and I'm so grateful for everything you do. Replying to my emails one evening is above and beyond the call of duty!
My husband and I feel very safe and secure working with you and Lesley, and indeed everyone we have ever dealt with at Ultimate. It is making our lives so much easier.
Thankyou! Thankyou! Thankyou!

15 August 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for taking the time to share this. It’s wonderful to hear how much Sharon and Lesley’s support has meant to you, and we’re so pleased that their care and dedication have made such a difference. We look forward to continuing the journey together.

Rated 5 out of 5 stars

Fantastic Helpful Service

We have been using Ultimate Finance for 5 years and the service they supply is fantastic. Ben Hunter, our account manager, is always on hand to help, offer advice and nothing is to much trouble. I highly recommend this company.

12 August 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you for the fantastic feedback and for choosing us over the past five years. It’s great to hear Ben’s support has made such a difference and we’ll be sure to pass on your kind words. We look forward to continuing the journey together.

Rated 5 out of 5 stars

Excellent partner

Maclean Services have been supported by Ultimate Finance since 2013 and it has been a very well managed relationship. We have been very satisfied working with them over the years.
Our current relationship manager Simon Bell has been very meticulous in the scrutiny of our monthly management account which I find very helpful in putting the Company in a forward-thinking financial position.
His incredible advice along with the input from his colleagues have made the facility to run smoothly.
The speed and agility with which he has built and maintained a strong relationship with Maclean Services is quite remarkable and I hope other client in his portfolio will say the same of him.
Simon has been increasingly hands on. He has visited our office and made contact/communication more than any other relationship manager we have ever had in our 12 years working relationship with Ultimate.
The team of Simon, Sharon and James have provided timely up to date information on the E3 portal and Facility, this has helped our cash flow projection which is invariably and of the main objective of having Ultimate finance as a partner in our business.
Simon, has set a bench mark in my mind by which I will measure any other relationship that we may have in the future.

7 August 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for your kind words. We’re delighted to hear how valuable Simon, Sharon and James’ support has been and it’s fantastic to know the team’s dedication has made such a positive impact. We look forward to continuing to support your growth and success!

Rated 5 out of 5 stars

Client Testimonial for Alastair Logan

Client Testimonial for Alastair Logan – Ultimate Finance

We had the absolute pleasure of working with Alastair Logan, and we truly cannot speak highly enough of the experience. From the very beginning, Alastair demonstrated exceptional dedication, professionalism, and care.

What truly sets him apart is his unwavering commitment — he supported us far beyond standard expectations, even extending his help after working hours and during his personal holidays. He was always just a phone call away, consistently responsive, calm, and solution-focused, no matter the time or situation.

Alastair took on multiple roles for us — advisor, advocate, and unwavering ally — and handled every challenge with grace and determination. He championed our case with sincerity and integrity, and we are genuinely grateful for his efforts.

Working with someone of Alastair’s calibre was not only reassuring but also deeply appreciated. He is a rare gem in the industry, and we consider ourselves very fortunate to have had his guidance and support.

Thank you, Alastair — for everything.

11 August 2025
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Reply from Ultimate Finance

Thank you so much for your kind words. We’re thrilled to hear how impactful Alastair’s support was throughout your journey. We pride ourselves on going the extra mile, and it’s fantastic to see that reflected in your experience. We’ll be sure to pass on your appreciation to Alastair!

Rated 5 out of 5 stars

So Much Support, Its not funny!!

Our Business has been working with Ultimate Finance for over 5 years, they offered us a facility when most lenders were unhelpful. In that 5 years we have grown from a £75k a month business to £150k a month business, the invoice financing has been a godsend in growing our business, and the support from our relationship manager Lesley Mouncher, and our credit controller Ella Lloyd has been central to this success. In our time with Ultimate Finance we have managed to expand from the South East across the whole South of England as well as London. They are efficient and always respond to our questions and queries usually same day. I cannot recommend them enough to anybody thinking to find a finance partner

31 July 2025
Unprompted review
Ultimate Finance logo

Reply from Ultimate Finance

Thank you so much for your kind words! It’s been a real pleasure supporting your growth over the past five years - congratulations on expanding your business, such an impressive result! We’ll be sure to pass your lovely feedback on to Lesley and Ella - they’ll be thrilled! Here’s to continued success together.

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