Ultimate Finance Reviews 1,023

TrustScore 5 out of 5

5.0

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, friendly demeanor, and proactive approach, making interactions pleasant and productive. Many people highlight the exceptional customer service, noting the team's commitment to understanding business needs and providing reliable support. Consumers frequently mention the efficiency of the service, with fast funding and quick response times. The user experience is also described as easy and straightforward, with many appreciating the smooth processes and the accessibility of the team.

What people talk about most

Staff

Users describe positive interactions with staff, consistently highlighting their professionalism,... See more

Service

People report positive experiences with service. Customers consistently praise the exceptional and efficient... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting the efficiency and helpfulness of... See more

Response time

Reviewers highlight positive aspects of response time, consistently praising the promptness and efficiency of... See more

User experience

Customers had positive experiences with user experience. Many reviewers found the platform and system to be... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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 financial... See more

Company replied

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

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 sm... 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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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.

October 28, 2025
Unprompted review
Ultimate Finance logo

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!

October 28, 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

October 28, 2025
Unprompted review
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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.

October 28, 2025
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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.

October 24, 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.

October 24, 2025
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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.

September 17, 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.

September 1, 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.

August 25, 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!

August 15, 2025
Unprompted review
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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.

August 12, 2025
Unprompted review
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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.

August 7, 2025
Unprompted review
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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.

August 11, 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

July 31, 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.

Rated 5 out of 5 stars

Second to none

I have been with Ultimate Finance for over 8 years and would not change to another provider. Our account manager Lesley Mouncher is always at hand to assist with any issues that may arise be it financial or customer related. Also Catherine Pullin our Credit Controller is always there to give clients that may delay payment a gentle push. Overall the service is second to none :)

August 7, 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for your continued trust over the past eight years! We're delighted to hear that Lesley and Catherine have provided such reliable and proactive support. It’s always our goal to deliver service that’s second to none and feedback like this means the world to us!

Rated 5 out of 5 stars

Excellent Service!

Aside from the monthly reconciliations - (which Ultimate have simplified compared to many other finance companies), Ultimate Finance is a fantastic company.
Our account manager Ben is an absolute pleasure to work with and would HIGHLY recommend anyone joining them requests him as their account manager - he is absolutely fantastic, always helpful, always prompt with responses and very personable.
Very happy 10/10!

August 6, 2025
Unprompted review
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Reply from Ultimate Finance

Thank you for the glowing review! We're so pleased to hear that Ben has made such a positive impression and we’ll be sure to pass on your kind words. Here's to continued success together!

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.

August 6, 2025
Unprompted review
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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.

July 30, 2025
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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."

August 5, 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.

July 30, 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.

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