Operating lease

Use your assets without limits or risks

Operating Lease, a sophisticated off-balance sheet arrangement that affords your business the benefits of using the equipment whilst we take the burden of ownership and the risk in its resale value.

An Operating Lease is ideal for high value equipment and machinery whose life expectancy is longer than the finance term. You get the asset for part of its useful life, with the choice of either a balloon payment or returning the asset to us when the contract ends.

Why Reality Finance?

We’ll take time to understand your needs and design an Operating Lease plan around your budget. Plus, we’re dedicated to keeping your rentals low and giving you a quick decision and turnaround, so you get your asset without any frustrating delays.

Why an Operating Lease?

  • Use the asset without the pitfalls of ownership: your business reaps the benefits of using the equipment whilst we take the burden of ownership and the risk in its resale value. 
  • Reduced repayments: use the future residual value of the asset to subsidise your lease instalments and really boost your cashflow
  • Set your payments and term: customise your instalments and payment term to match your budget
  • Plan ahead confidently: agree the rental and return conditions from the outset
  • You choose at the end of term: make a purchasing balloon payment or return the asset to us to retrieve the residual value
  • Save on tax: claim your payments against your profits and reclaim VAT on your asset

Operating Leases can fund:

  • High-value assets with long life expectancy
  • Heavy-duty machinery and equipment
  • Equipment needed for specific contracts or a set period