Construction Finance

  • Own the asset, pay over time
  • Fixed rates
  • Repayment terms: 1 to 5 years
  • No additional deposits
  • Specialist Hire Purchase Facilities available 

Finance for the construction industry

At Reality Finance, we understand the pressures the construction industry is under.   With inflation and the cost of materials as well as staff costs on the increase, cash flow for many businesses is tighter than ever.   We offer funding solutions for any type of plant, equipment, or vehicles used in your construction business.  

Finance for construction assets

Finance facilities can fund pretty much any hard asset needed for your construction business. We will fund assets starting from £1,000 up to £10,000,000.  Common examples include:

  • Machinery
  • Plant
  • Site buildings
  • Commercial vehicles
  • Refurbishments
  • Skips
  • Software
  • Bulldozers
  • Green technologies
  • Cranes

Finance for Supporting Services

We don't just offer hire purchase solutions for hard assets.  Reality work with many businesses to offer a monthly payment option for the following solutions and services:

  •  Consultancy services
  •  Software solutions
  •  Services and upgrades
  •  Customer success plans
  •  Data management and quality control
  •  Installation and delivery

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Flexible funding for your business

We will offer the lending facility that is right for your business. From Hire Purchase to Operating Leases, the benefits include:

Optional balloon payments
Can be used for hard and soft assets
Settle the agreement at any time
Fixed interest rates
Refinancing available on existing business assets

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Funding options for your business needs

After understanding your business needs, we will discuss with you the best funding option.  Most commonly with Finance for IT Hardware or Software, we would offer you the following.

Hire Purchase

Hire Purchase is an ideal solution for all sizes of businesses that are keen to purchase assets but spread the payments over the working life of the asset. 

Specialist Technology Loans

From a variety of Unsecured Business Loans to Merchant Cash Advances, we can offer up to £250k to give your business a cash injection.   We work with multiple Lenders to bring you fast unsecured finance for your business

Finance Lease

Business Finance Leases are ideal for funding equipment that depreciates in value.   Simply pay for the business equipment you need via monthly or quarterly repayments, and then choose to keep or update the equipment at the end of the agreed term.

How does our Finance work?

You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.


Choose the asset or service your company needs

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Speak to us and we will use our panel of lenders to find you the best monthly payment option

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We take care of the paperwork and invoicing

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Your product or service is delivered to you

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You pay for your new asset as you use it

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Why Reality Finance?

5 star service rating

Verified by Feefo

Over 30 lenders on our panel

so we can source you the best deal

Lender in our own right

Provides additional flexiblity

Funding hard and soft assets

Anything you need for your business

22 years of trading

Established in 2000 and privately owned


Case Study | Packaging Automation


Jason Turner, specialist Account Manager at Reality Finance arranged the finance on behalf of the company:

“Our customer needed to increase production quickly and we were keen to support them with getting the required kit into place. With the Packaging Automation supplied machine and our support with the funding, they were able to double their production line immediately”.

Supporting a Fast-Growing Food Manufacturer

Reality Finance have recently worked with Packaging Automation to support a Yorkshire-based manufacturer of specialist gluten and dairy-free food products. This company was producing over 20 million meals a year for major supermarkets and food outlets and was in demand to produce more of their product.


With the new factory set up and running, and with the brand growing, orders from leading supermarket chains continued to increase. The production line was struggling to keep up with the demand, with the company having to turn away new orders, stopping the business from growing further.

The company recognized that to increase its production volume, it would need to invest in specialist machinery including an additional packaging and production line – a significant capital investment.   With immediate cash reserves allocated to other areas of the business, the company needed an alternative method of funding its new equipment.


Reality Finance was able to put together a monthly payment solution, enabling the company to spread the cost of its investment over a 5-year period. The purchase was an Eclipse SL4 Atmospheric Heat-Sealing Machine Installation as well as spare parts, accessories, and delivery, supplied by Packaging Automation.

This new equipment was delivered and installed within weeks of the initial order, meaning the manufacturer could increase their production and meet the demands of their suppliers.

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some of our clients