Provider profile · 2026 edition
Ultimate Finance review 2026: scores, fees and alternatives.
A UK invoice finance provider offering factoring and invoice discounting with confidential and debtor protection options and an optional cash flow loan.
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A UK invoice finance provider offering factoring and invoice discounting with confidential and debtor protection options and an optional cash flow loan.
Ultimate Finance scores 2.5 out of 5 (49 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 4 of 10. It is strongest for UK B2B suppliers wanting a high advance and a fast set-up, with 5 out of 5 for advance and speed and published eligibility. Not published or not stated on the pages read: pricing, product range and regulatory standing.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 51 | 4 of 10 |
| For mid-sized firms | 54 | 2 of 10 |
| For payment and fintech firms | 43 | 4 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK B2B suppliers wanting a high advance and a fast set-up.
What Ultimate Finance publishes on its own pages, read on 26 October 2026.
A UK invoice finance provider offering factoring and invoice discounting with confidential and debtor protection options and an optional cash flow loan. It publishes a 95% advance, a one-week set-up, funding within 24 hours and a £10m maximum. It publishes no fee rates and no regulatory statement on the pages read.
| Fact | What the provider publishes |
|---|---|
| Products | Factoring and invoice discounting, with confidentiality, collection services and "Debtor Protection" options; "Option to include Cashflow Loan up to £500k (up to 5 year term)". |
| Pricing | "an ongoing service fee" for ledger management and "a discount fee" for cash advanced; no rates published. |
| Advance and speed | "Up to 95% of your unpaid invoice value"; set-up "within one week"; funding "within 24 hours of receiving invoices". |
| Eligibility | "Any UK-registered businesses selling to another on credit", including limited companies, sole traders and partnerships; "Up to £10m funding". |
| Contract terms | "Unlimited rolling contract that grows with your business"; "assignment of invoices supported by debenture" (a legal charge over the business's assets). |
| Regulatory standing | Site operated by Ultimate Finance Group Limited, company number 04350565; no FCA statement or security certification on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ultimatefinance.co.uk/client/invoice-finance, ultimatefinance.co.uk/static/…, ultimatefinance.co.uk/resources/faqs, ultimatefinance.co.uk/legals.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
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