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Get my 3 quotes →Wholesalers pay for stock before they sell it, then wait for customers to pay. Ultimate Finance is worth a quote because it says it advances up to 95% of your unpaid invoices, sets up a facility within one week, and offers funding up to £10m (Ultimate Finance, read 14 Oct 2026). It publishes no fees and no minimum turnover. Market Invoice compares UK invoice finance providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.
What this page covers
This page covers
Ultimate Finance for UK wholesale and distribution: what it publishes, and other lenders to compare
Not covered here
Provider review across all sectors (see /providers/ultimate-finance/), stock finance as a separate product
What a higher advance means
Simple arithmetic: on £500,000 of unpaid invoices, a 90% advance gives you £450,000 and a 95% advance gives you £475,000. That is £25,000 more to spend on stock. Lenders set your actual advance after looking at your customers, so you may be offered less than the maximum.
Ultimate Finance and other lenders
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
When Ultimate Finance suits you
- The extra advance matters because a lot of your cash is tied up in stock.
- You want a facility in place quickly: it says within one week.
- You need funding up to £10m.
When to look elsewhere
- You want to borrow against your stock as well as your invoices. IGF lends against both, but only to businesses over £5m turnover.
- You sell mainly to customers abroad. Ask lenders that fund export invoices, such as HSBC (over £1m turnover).
- Your customers often hold back part of what they owe or set off claims against your invoices. Lenders may advance less, so ask how each one handles it.
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Ultimate Finance Wholesale FAQ
Why look at Ultimate Finance for wholesale?
Ultimate Finance says it advances up to 95% of your unpaid invoice value, which is more than Bibby (85%) and Close Brothers (90%) publish. A wholesaler has money tied up in stock as well as in unpaid invoices, so a higher advance on the invoices can help. It also says it sets up a facility within one week and offers funding up to £10m (Ultimate Finance, read 14 Oct 2026).
Does Ultimate Finance work with my kind of wholesale business?
Ultimate Finance says its invoice finance is for any UK business that sells to other businesses on credit. It doesn't list wholesale sub-sectors. What matters most to any lender is who your customers are and how reliably they pay.
Will I get the full 95%?
Not always. 95% is the most Ultimate Finance says it will advance. The advance you are offered depends on your customers, how quickly they pay and how much of your sales go to one customer.
What about trade credit insurance?
If you already insure your customer debts, ask each lender how your insurer's credit limits will affect the facility. If you don't, ask whether the lender can add bad debt cover.
What does Ultimate Finance charge for wholesale?
It doesn't publish its fees or a minimum turnover. The service charge and the discount charge (interest over Bank of England base rate) are quoted per facility, so get a quote.
How does Ultimate Finance compare to Bibby on wholesale?
Ultimate Finance publishes a higher maximum advance (up to 95%, against Bibby's 85%). Neither publishes its fees or a minimum turnover. Bibby also offers asset finance. Get a quote from both and compare the total cost, not just the advance.