Ultimate Finance

About Ultimate Finance

Ultimate Finance was founded in 2001 and has grown steadily over more than two decades into one of the most diversified specialist SME lenders in the UK. Based in Bradley Stoke, Bristol, and backed by the Tavistock Group — an international private investment organisation — the business now manages a record loan book of £342 million across invoice finance, asset finance and bridging. Total lending since inception has exceeded £17 billion.

The bridging proposition sits within a broader SME funding universe. Unlike many bridging specialists who focus exclusively on property, Ultimate Finance's relationship managers also support clients with invoice finance, asset finance, construction finance and recruitment finance — which means brokers whose clients have multiple funding needs can work with a single lender relationship. The result is a business that thinks about the client's entire balance sheet rather than just the property transaction.

A Trustpilot "Excellent" rating with a Net Promoter Score of 88 among bridging clients reflects the quality of service that has driven 110% year-on-year new business growth in the bridging division. The Below Market Value (BMV) bridging product — funding up to 100% of the purchase price on qualifying below-market acquisitions — is a standout niche product that few lenders in this size range will offer.

Bridging Loans from Ultimate Finance

Ultimate lends from £100,000 to £4 million on bridging, with terms up to 18 months and LTVs up to 75%. Rates from 0.79% per month. Decision in principle within 24 hours; fully credit-backed offer within 72 hours. Completions from 5 days. Available to any UK registered or domiciled limited or non-limited company.

What Can Ultimate Finance?

• Residential purchase and refinance
• Below-market-value purchases (up to 100% of purchase price)
• Development exit — finance and equity release on completed schemes
• Development finish and exit
• Light and heavy refurbishment
• Re-bridge of existing facilities

How to Apply with Ultimate Finance

Ultimate Finance works through commercial finance brokers and directly with businesses. Enquiries go to [email protected] or by calling 0800 121 7757. The team is based at First Floor, Equinox North, Great Park Road, Bradley Stoke, Bristol BS32. Introducers can register online at ultimatefinance.co.uk.