Finance for Business with Reality Finance, Your Trusted Asset Finance Broker
Finance for Your Businesses
Funding HMRC bills, IT Hardware and Software, New and Used Equipment.
Suppliers & Vendors
With monthlii and our flexible finance solutions, you can offer your clients an easy way to pay monthly while unlocking more sales opportunities for your business.
Monthly Business Finance Made Easy
At Reality Finance, we provide flexible business funding solutions tailored to fit companies and assets of all types and sizes. Whether you're looking to finance VAT or Corporation Tax, office refurbishments, IT hardware or software, we’re here to help you secure the best deal for your business.
As a direct lender, we offer a faster, more cost-effective service, ensuring you get the equipment you need to keep your business running smoothly—without the hassle.
Finance for Your Business with Reality Finance
At Reality Finance, we offer your business funding solutions for new investments or business equipment. From office fit-outs & refurbishments to IT Hardware and Software, our Brokers work to secure you the best finance deal appropriate for your business.
Your Business Funding Options
There are many different business funding solutions to boost cash flow, upgrade equipment, manage tax bills, and spread the cost of equipment. At Reality Finance, your dedicated finance broker will explain your business options based on your circumstances and the reason for your enquiry, such as upgrading office equipment, to ensure you are aware of the solutions available to you.
- No upfront costs
- Cheaper rates than typical high-street lending
- Work with any supplier
- 5-star service rating on Feefo
- Same-day credit approvals for qualifying applications
- Variety of funding options available
- No minimum turnovers
- Available terms: 3 months to 5 years
What sets us apart from other Asset Finance Brokers
We keep things simple, human, and fast.
You’ll have a dedicated Account Manager who knows you, your business, and your customers — not a call centre, not a ticket number, and definitely not an AI chatbot telling you to visit a help page. When you need us, we’re available. No call queues. No waiting days for a reply.
We don’t believe in complicated forms or unnecessary hoops. Our process is designed to move quickly, with clear questions, straightforward requirements, and decisions made without delay. That speed matters — especially when your customer is ready to buy.
What really sets us apart is our blend of technology and experience. We’ve invested heavily in smart systems that streamline quoting, approvals, and payouts — but they’re always backed by real people. Many of our team have been with us for 25 years, bringing deep industry knowledge and practical judgement that technology alone can’t replace.
Business Funding Eligibility Criteria
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UK-based business – Your company must be registered and trading in the UK
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Company structure – Limited Companies, Limited Liability Partnerships, or Partnerships with four or more partners
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Trading history – Typically a minimum of two years’ trading, though this can be flexible in certain circumstances
Eligibility and Approval
Q: My business is new, can I still apply for finance?
A: Yes, many finance options are available to start-ups and young businesses, even with limited trading history. In these cases, lenders may place more emphasis on the directors credit profile, industry experience, and the type of asset being funded. Some products such as VAT loans or IT equipment finance are commonly used by businesses in their first 12 months of operating.
Q: What if my company has a low turnover?
A: Low turnover doesn’t automatically rule out funding. There is no minimum turnover requirement for many agreements. Instead, lenders typically assess affordability of monthly repayments, stability of cash flow, and the useful life and resale value of the asset.
Q: Will applying for business finance affect my credit score?
A: Initial enquiries and quotes can usually be provided without affecting your credit score. A formal credit check is only carried out once you decide to proceed with an application and give consent.
Costs and Risks
Q: Is business finance more expensive than paying upfront?
A: Not always. While finance includes interest it can often preserve cash, spread costs, and reduce the need for overdrafts or short-term borrowing. For many businesses the cash flow benefits outweigh the additional cost especially when equipment generates revenue.
Q: Are there any hidden fees?
A: Finance agreements are fully disclosed upfront. This typically includes your monthly repayments, term length, and any arrangement or documentation fees. You’ll always see the full cost of finance before committing, with no obligation to proceed.
Q: What happens if my circumstances change?
A: If your business situation changes, options may be available depending on the agreement, such as restructuring payments, ending the term, or settling early. Communication is important and support is available before issues escalate.
Process and Timelines
Q: How long does approval usually take?
A: Many funding decisions are made within 24 hours, depending on application complexity, finance amount, and information provided. Straightforward applications can often be approved the same day.
Q: What information do I need to apply?
A: To submit an application we will need basic company details, director information, what you’re funding and the cost, and your preferred payment term. In many cases, applications can be completed in just a few minutes.
Choosing the Right Finance Option for Your Business
Q: How do I know which finance option is right for me?
A: The best option depends on:
What you’re funding (tax equipment, software, refurbishment)
How long you want to spread the cost
Whether you want ownership at the end
For example:
VAT Loans suit short term tax obligations
Hire Purchase is often used when ownership is important
Finance Leases can reduce monthly costs for fast-changing equipment
See our Business Guide to Asset Finance for more information
Q: Can I finance used or refurbished equipment?
A: Yes, used and refurbished equipment is commonly financed, provided it comes from a reputable supplier, has sufficient remaining working life, and is appropriate for the finance term requested. This can be a cost-effective way to upgrade without committing to new equipment pricing.
Meet our Asset Finance Brokers
Ed Barnes
With over 30 years’ experience in finance, Ed works hand-in-hand with new clients to develop enduring strategic partnerships, while also providing solutions for existing clients.
Richard McGrath
For over 20 years Richard has arranged finance for clients across a wide range of industries, leading with a strong focus on building long-term relationships and trusted partnerships.
Simon Humphreys
Simon has developed new and existing relationships with customers and suppliers for over 10 years at Reality Finance.
Meet our Vendor Partnership Brokers
Neil Whitear
With over two decades in the finance industry, Neil develops our Vendor partnerships to help businesses offer a monthly payment option to their customers and increase sales.
Jason Turner
Jason specialises in helping on-premise and SaaS technology Vendors win sales, develop client retention, and reduce time to profit through tailored funding.
