Ultimate Finance: products, terms and eligibility

Ultimate Finance is a UK provider of asset finance. The legal entity named on its site is Ultimate Finance Group Limited, company number 04350565. It is based in Bristol. Companies House shows the company was incorporated 2002. It is part of Tavistock Group.

Ultimate Finance says it has over 20 years of lending experience and describes itself as an independent lender supported by the Tavistock Group, an international private investment organisation.

In its own words on scale:

• Says it has lent over £19bn in funding to date (figure on its site in October 2026).

Everything on this page comes from what Ultimate Finance publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Ultimate Finance publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Asset finance (hire purchase, lease, refinance): Fixed repayments; balloon payment up to £150k; set-up and option-to-purchase fees apply.
• Structured finance: Combination of receivables, plant and machinery and/or property, with cashflow loans in addition.

Asset finance (hire purchase, lease, refinance)

Hire purchase, leasing and refinancing of hard assets only, such as vehicles, machinery and plant. Facilities are £10,000 to £750,000 per asset with up to £3m per customer, terms of 12 to 84 months, and balloons up to £150,000. Security is the financed asset. It does not fund soft assets such as computer hardware, software or electronics.

Invoice finance

Described as a way to release cash tied up in invoices, available up to £10m, with an optional cashflow loan of up to £500k over five years. Includes a relationship manager and online portal, with specialist offerings in construction, recruitment and trade.

Structured finance

Funding combining receivables, plant and machinery and/or property with cashflow loans, with facilities up to £10m and a single relationship contact.

Ultimate Finance says its finance is used for:

• Releasing cash from invoices
• Buying vehicles, plant and machinery
• Refinancing existing assets
• Combining multiple assets into one facility

Sectors and business types it says it funds:

• Construction
• Recruitment
• Trade
• Property development
• Agriculture
• Retail
• Healthcare
• Recycling and waste management

What it says it does not fund:

• Soft assets (IT hardware, software, electronics) for asset finance

Ultimate Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK registered or domiciled businesses.
• Non-regulated facilities only.
• Hard assets only (durable, identifiable, movable and sellable).
• Minimum asset finance facility £10,000 (limited company) or £25,000 (non-limited).

Ultimate Finance describes its process like this:

1. Introducers register through an online form and are approved.
2. Introduce the client with funding needs.
3. Ultimate Finance structures the facility.

Every application is subject to status and the lender’s own criteria at the time.

Asset finance spreads the cost of equipment, vehicles or machinery, with the asset itself as the main security. Under hire purchase you own the asset once the final payment is made; under a lease you pay to use it and hand it back, extend or replace it at the end.

Lenders look at the asset’s age, condition and resale value as well as the business, and many fund used as well as new equipment. Sector pages such as transport and logistics finance and construction finance show how it is used in practice.

Points Ultimate Finance publishes that are worth knowing:

• Security required: the asset or assets being financed.
• Funds hard assets only; soft assets such as computer hardware and software, telecoms, EPOS and audio visual equipment are not funded.
• Cars funded up to £200,000 including VAT.
• Asset finance carries set-up and option-to-purchase fees.

Security and guarantees

Asset finance is secured on the financed asset.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Ultimate Finance how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of asset finance with profiles here include United Trust Bank, Admiral Leasing & Loans and ALG Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.