Ultimate Finance Review
Ultimate Finance is a UK independent lender that has been lending since 2002. It advances up to 95% of each unpaid invoice, with funding up to £10 million. It says it sets up a facility within one week and then pays within 24 hours of receiving invoices. It does not publish its fees or a minimum turnover.
What this page covers
This page covers
Ultimate Finance invoice finance: advance, funding size, setup speed, ownership and what it does not publish
Not covered here
General invoice finance education (see /guides/), individual sector pages (see /industries/), full provider directory (see /providers/)
Key Facts
Source: Ultimate Finance's invoice finance page, why choose us page and H1 2026 results news, read 14 October 2026.
How it works
When you raise an invoice, Ultimate Finance advances up to 95% of it within 24 hours. When your customer pays, you get the rest less Ultimate's fee. You can add optional credit control, and a cashflow loan of up to £500,000 over up to five years alongside the facility.
Ultimate also offers trade finance, construction finance, recruitment finance, asset finance and bridging loans.
Who it suits
Ultimate suits a business that wants a high share of each invoice paid quickly and a facility in place within a week. Because it publishes no fees, compare its written quote with at least one other lender before you sign.
How Ultimate Finance compares
Published terms from Ultimate and other lenders, read from each lender's own website.
| 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 |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Hydr | No minimum | Up to 100% per invoice | hydr.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. Most of these lenders do not publish their fees.
Our verdict
Ultimate Finance publishes an advance of up to 95% and says it sets up a facility within a week. It does not publish its fees, so the advance alone does not tell you the cost. Get its quote in writing and compare the total cost with other lenders.
Official site: Ultimate Finance
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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