Ultimate Finance achieved record levels of growth and scale across its working capital, asset finance and bridging finance products. With strong contributions from every product, the group surpassed the accelerated growth plan set out for 2025.
Key highlights for 2025 include:
- Record loan book of £393 million, with its closing position up 24% year over year
- Growth in all product areas measured by closing loan book: working capital +32%; asset finance +27%; bridging finance +9%
- New loan book peaks recorded in working capital £166 million and asset finance £136 million, with bridging finance ending the year at £95 million
- All three product lines in significant origination growth with new facilities up 37% on 2024 to reach a new high of £250 million, split £89 million in both asset finance and bridging finance and £72 million in working capital
Enhancements to the company’s solution offering during the year included:
- Increasing its maximum working capital facility size to £10 million
- Expanding its structured finance offering with the introduction of a new commercial property loan as part of an ABL funding package
- Introducing a new Light Touch Refurbishment facility and launching Optimise, a digital-first bridging loan built for speed
- Expanding its asset finance team, moving into a new larger office and increasing their securitisation facility to support growing demand, whilst introducing new tiered pricing structures to better capitalise on opportunities for larger facilities
“We hit record scale with a £393M peak loan book and closed the year 24% up on last year’s performance — with every product area performing well. That comes from disciplined execution and genuine partnership with our introducers,” Josh Levy, CEO of Ultimate Finance, said. “We’ve strengthened our regional footprint, grown our introducer base and deepened key relationships — recognition that’s been reflected in new business growth, winning Intermediary Advocate of the Year at this year’s NACFB Commercial Lender Awards, our outstanding NPS of 79 and strong client retention. I was also proud to join the NACFB Board, reinforcing our long-term commitment to the broker community and to championing SME funding across the UK. Looking ahead, we’ll continue developing our product propositions, investing in service and delivery, and backing UK businesses with funding that fits. We enter 2026 with momentum and a clear ambition: to remain the funding partner of choice for introducers and the SMEs and property investors they support.”
