2. Property: it’s in our DNA
As an experienced team mostly made
up of ex-property developers, we've
done it, meaning we understand the
challenges developers face.This allows us
to creatively find solutions where other
lenders often only create problems.
Lesstalk, more ACTION
We know that time can be of the
essence. As a principal lender, lending
our own funds means that when you
speak to us, you are talking to a decision
maker, not a third party reliant on
someone else. Usually we can make a
decision within 24 hours.
Focused onthe deal
We appreciate that every loan is
different and every developer has
their own unique opportunity and
often a challenge to overcome. Loans
are assessed on project strength. Just
because a developer may have come
across hard times or has limited security
or equity, it need not be a reason not
to lend – after all, we are here to help.
USE OUR MONEY TO MAKE YOU MORE
We provide property development, mezzanine and
bridging finance from £250,000 to £3,500,000, typically
over a 6-24 month period. Bespoke, fast, fuss-free loans
with the option of up to 100% funding with no complex
fees or hidden agendas, just simple transparency.
Every one of our financial solutions
is designed to suit specific requirements.
If problems arise then, together, we try
and resolve them.We know security
is not always straightforward so we’re
happy to look at a suite of security
options and implement second charges
to make a deal happen.
Wetake finance seriously
Our loans are used for commercial
reasons and therefore unregulated by
the FCA, this helps with our flexible
approach. Our clients are diverse and
include builders, developers, national
PLCs and high net worth individuals.
In every case we are discreet and
treat everything with the strictest of
confidence.
Our clients use us because our money
works hard for them, allowing them to
secure a position or to make profits
over multiple opportunities. We are
proud to offer fast, professional, simple
and transparent solutions. This is what
we do, and we do it well.
3. The Ultimate difference
We lend our own money – fast
Up to 100% of your funding requirements
Our experienced team make quick lending
decisions
We lend anywhere in England andWales,
covering all property sectors
Flexible on security – 1st and 2nd charge
lending
Bespoke offers supporting individual
requirements
Great recognition for introducers with the
best proc fees in the industry
4. Take a look at some of the rece
Out of administration, superb resort
in Cornwall
A seasoned businessman
required funding to
purchase an attractive
country club that
had been placed into
administration. He had the
opportunity to acquire
the club at a superb price,
but he needed to move
quickly in changing his
lender.
Our client had been
supported by us
previously and was
comfortable with our
ability to be fast, fuss-free
and flexible. He shared
his exciting business plan
with us, we undertook
quick due diligence and
consequently provided an
18-month term loan on
a first charge basis and
secured the deal for him,
allowing him to move
away from an inflexible
lender that was causing
him problems.
We agreed to extend the
loan to further assist with
the refinance, supporting
the working capital of the
borrower to the point
of significant trading
improvement. Our loan
was repaid by way of
an equity buy-in by an
experienced investor.
“We have now completed
two significant and complex
transactions with Ultimate.
They have at all times been
supportive, flexible and
fair – it has been more like
a partnership than a loan.
Their ability to move rapidly,
unlike the traditional lenders,
has allowed us to acquire
and refinance distressed
assets in a rising market.
Furthermore, their ongoing
flexibility has taken pressure
off our management team
and given us the opportunity
to turn the assets around.
The first acquisition is now
in the process of going to
a public listing with the
Ultimate loan still in place.”
Mr S Hume-Kendall
Initial loan: £800,000 Security: First charge Initial duration: 18 months
5. Our client obtained
planning consent to build
15 high specification 4
and 5 bedroom new-build
detached houses in a highly
desirable neighbourhood
of Nottingham.
The site was purchased
with the client’s own
cash and building work
commenced.We were
approached after he had
been let down by a couple
of lenders who applied
‘postcode prejudice’
lending on the partially
completed scheme.
We jumped at the
opportunity to work on
such an exciting scheme,
acting quickly to put funds
in place so the development
programme was not
compromised.We delivered
an all-inclusive fee-free rate
and rolled up the interest.
This made all the difference,
ensuring the project got
going, the trades could be
paid and work continued
on site.
We happily extended the
loan by three months when
external funding took
longer than expected. As a
result, our client has made
a substantial multi-million
profit.
“We spoke to lots of lenders
and most made the right
noises but when push came to
shove they didn’t deliver.This
caused serious delays that put
the site and the business at
risk.We had to find a lender
that understood development
and would deliver fast. Quite
simply Ultimate delivered
on all levels, from initial
contact to drawdown of the
loan.They understood our
needs, ensured our tight
timescales were met and
were completely flexible
throughout the project.We
could have asked no more
from a funding partner. My
only regret is that we didn’t
go to them at the beginning!”
Mr R Denbow
rece nt projects we have funded
Residential development finance for
luxury new-builds, Nottingham
Initial loan: £1,750,000 Security: First charge Initial duration: 12 months
For more examples of recent projects, visit: www.ultimatecapital.co.uk
6. Ultimate Capital
Property Finance
Call 020 8974 4705 or email ask@ultimatecapital.co.uk
to contact us, or visit www.ultimatecapital.co.uk
for more information.
“We thought all lenders were the same. They’re not! Ultimate are so much more and added real
value to our development through their experience and professionalism. Beyond their funding input,
they haven given great insight and consequently have been central to our scheme being delivered.”
Mrs J Razzaq
“I had a really short window of time to complete on a land purchase. It was ‘use it or lose it’ time and
very stressful to say the least. Ultimate pulled out all the stops and made it happen.” MrTWhitelaw
“Ultimate’s team are an absolute pleasure to work with, it’s obvious that customers are their priority.
They’re very experienced in the development industry and you can tell they really understand the
issues their customers face.The team have gone above and beyond to deliver everything for all of
our projects, and we would confidently recommend them to any developer looking to get their
project moving.” Mr A Cooper
“I found myself stuck after taking funding from a High Street bank. An absurd delay over 30 days on
the monthly drawdowns meant I couldn’t pay the men I had working for me... they eventually walked
out. I then went to a ‘peer to peer’ lender, but they adopted a similarly long-winded approach – I was
on the verge of giving up. It was at that point my broker introduced me to Ultimate, who stepped
in to take care of the finance side and just got on with it! They were true to their word and I really
appreciate how quickly they were able to turn things round. I could have saved so much time, money
and effort had I found Ultimate at the start!” Mr J Freestone
Ultimate Capital
TheTyphoon Building
Oakcroft Road
Chessington
Surrey
KT9 1RH
