Finance Lease
- Use the asset now and spread the cost over time
- Fixed rates with simple, predictable monthly payments
- Add training, installation, and delivery into one easy monthly plan
- Choose flexible terms from 1 to 5 years
- Lease payments may be tax-deductible for many businesses
Finance Lease – Spread the cost of new equipment with fixed monthly payments
A Finance Lease is a flexible way for your business to access the equipment, vehicles, IT, or machinery you need — without paying the full cost upfront. You make fixed monthly payments over an agreed term, while enjoying full use of the asset from day one.
What Can a Finance Lease Cover?
A Finance Lease can cover far more than just machinery or vehicles. It’s one of the most flexible ways for UK businesses to invest in the equipment they need without large upfront costs. Whether you’re upgrading technology, expanding your production line, refreshing your fleet, or fitting out a new workspace, a Finance Lease allows you to spread the cost through predictable monthly payments while keeping cash in the business.
From essential hard assets like plant, vehicles, and engineering equipment to modern soft assets such as IT, software, telecoms, and security systems — if it helps your business operate, deliver, or grow, there’s a strong chance we can fund it.
- Rapidly depreciating equipment
- Manufacturing and engineering equipment
- Forklifts, loaders, and warehousing equipment
- Construction equipment
- Medical and dental equipment
- CNC machines and tooling
- Laboratory equipment
“Reality Finance provide competitive lease rates enabling our customers to spread the cost of purchasing new equipment with our Easy Payment scheme. They are happy to talk directly with our customers and offer expert financial advice. In this difficult economic climate, we are looking to build on our relationship to make purchasing even easier for our customers.”
Mark Jackson-Nichols , Director, Loma Systems
Having Reality Finance as a partner has enabled our customers to invest in our tray sealing lines which is vital capital equipment that has enabled them to grow their businesses and improve efficiencies much quicker than if they had waited to generate the cash to pay for these assets.
We have always found the team at Reality Finance to be extremely responsive and supportive of us and our joint customers through the whole purchasing process, making it as smooth and swift as possible.
Sam Ashton , Commercial Director, Packaging Automation Ltd
Why choose a Finance Lease?
Keep cash flowing
A Finance Lease lets you spread the cost over time instead of taking a big hit to your capital. That means more room to invest in staff, stock, marketing, or the next stage of your growth.
Fixed monthly payments
No surprises. Your monthly lease payments stay the same from start to finish, making budgeting straightforward and stress-free.
Use the asset immediately
Your equipment is delivered straight away. Whether you’re installing new machinery, upgrading your IT, or adding fleet vehicles, you get everything up and running without delay.
Tax-efficient for many businesses
Finance Lease payments may be tax-deductible against profits, making it a popular option for SMEs looking to maximise cash flow.
Wide range of assets covered
Finance Lease works for both hard assets (machinery, vehicles, engineering equipment) and soft assets (IT, software, telecoms, office equipment, security systems, and more).
What Do Our Customers Say?
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.
1
Choose the asset or service your company needs
2
Speak to us and we will use our panel of lenders to find you the best monthly payment option
3
We take care of the paperwork and invoicing
4
Your product or service is delivered to you
5
You pay for your new asset as you use it
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 flexibility
Funding hard and soft assets
Anything you need for your business
24 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.
Challenge
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.
Solution
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.