The Ultimate Loan

A flexible, long-term business loan for whatever you want, whenever you need it.

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What is the Ultimate Loan?

It’s a flexible business loan that works the way you need it to: Quick application. Competitive rates. Cash in your account the day after approval. Simple repayments over up to 24 months. And no charges if you want to pay back early.

Why take out a business loan?

We’ve found that all businesses, whatever shape or size, take out loans for the same simple reason: to make their business better. Of course, what that looks like varies from business to business. So what’s going to make yours better?

Growth is key to business success, and our Ultimate Loan can provide the quick and pain-free cash injection that can help you achieve that. The funding you need for better equipment, bigger premises or more staff. As and when you need it.

Because our business loan offers fast-turnaround finance, you’re also able to seize any opportunities that come your way. The kind of opportunities that can increase your orders or client base and ultimately your profit.

Whatever the specifics, our Ultimate Loan can give you the funding you need to take your business to the next level.

We've created a quick guide to all things business loans that answers all your questions: read it here!

How much can I borrow with an Ultimate Loan?

Our Ultimate Loan allows you to borrow from £7,500 to £250,000 (subject to status). We make the whole process simple so your business gets the funding it needs as quickly as possible. Once your agreement is signed, we can have the money in your account the next working day, if not sooner.

The business landscape is ever-changing, so if you find during the course of your agreement that you need to increase your loan amount we can easily do that for you, up to your borrowing limit.

For a quick overview of how much you can borrow and for how long based on your own business, please visit our quick eligibility checklist.

How long can I pay back for?

As far as we’re concerned, paying back your loan should be just as easy as taking it out. That’s why we make our repayments simple; monthly or weekly payments via Direct Debit. This means you never have to remember to make a payment and you are protected by the Direct Debit Guarantee.

The Ultimate Loan works with business needs in mind, so if you want to pay it back earlier that’s fine. We'll be able to give you an interest rebate against a small admin fee.

The interest rates we charge are competitive and based on your business’ credit score. We’re upfront with everything we do, so you’ll be completely clear on exactly what you’re paying and why.

We offer the following terms based on how much you'd like to borrow:

REPAYMENTS OVER 3 TO 5 MONTHS Applicable to loans over £10,000
REPAYMENTS OVER 6 TO 12 MONTHS Applicable to all loans
REPAYMENTS OVER 13 TO 18 MONTHS Applicable to loans over £20,000
REPAYMENTS OVER 19 TO 24 MONTHS Applicable to loans over £50,000



Can Sole Traders and Partnerships apply for the Ultimate Loan?

Absolutely! You can borrow from £25,500 to £250,000 at the same rate as limited companies as long as you are a UK homeowner. 

I'm a brand new business, am I eligible for a loan?

It can be hard to secure funding when you first establish your business - and when you do manage to get a loan you could end up having to pay more interest simply because your business is young.

At Ultimate Finance we look at things differently - we offer a smaller loan for new businesses at the same rate as all other loans! 

To be eligible, your business must have been trading for less than 6 months, be a Limited Company and you must be a UK Homeowner. 

If you meet these criteria, you can apply for up to £25,000 and start your business on solid bases with Good Funding!

How long does it take to apply?

When your business needs funding, there’s no time like the present. We can give you an instant quote online within seconds via our online tool. Once we’ve done our checks and you’ve signed the online agreement, your funds will be in your account by the next working day.

How do I apply?

Our online tool will give you an instant quote; UK based companies with an annual turnover of at least £75,000 are eligible to apply. We’ll get our final offer to you as soon as we complete our checks. Once everything is in place simply sign your loan agreement and receive the funds within one business day. It really is that quick and simple.

Based on your business and industry you may be required to provide some more information after your original application - our team will make sure everything is as clear and easy as possible. For more information about documents and security that may be requested, just click here.

Why choose Ultimate Finance?

When you’re taking out a business loan, trust is everything. We’ve funded thousands of businesses of all shapes and sizes since we began 17 years ago. During that time, we’ve lent over £1 billion to help businesses get to where they want to be. 

With us, you’ll have the support of a dedicated specialist relationship manager. One point of contact who will take the time to get to know you and your business. 

Find out more about us and our story here.

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