Hospitality and Catering

  • Own the asset, pay over time
  • Fixed rates
  • Split or deferred payment options
  • No additional deposits

Making it affordable to invest in your business

If you run a hotel, restaurant, or catering company, we can fund almost any type of equipment needed to run your business.   We arrange finance for assets from £1k upwards, with flexible payment schemes so you can pay monthly or seasonally. Agreements can also include a total project cost including soft costs such as labour if you were looking to refurb.

Funding all Assets 

Funding schemes can fund pretty much any hard asset needed for your business. Common examples include:

  • Catering Equipment
  • Kitchen fit-outs
  • Refrigerated Vans
  • Commercial Ovens
  • Ice Machines
  • Water Coolers
  • Coffee Machines
  • Wine Dispensers
  • EPOS systems
  • Conference facilities
  • Marquees and Furniture
  • Food Preparation Machines

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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Funding options for your business needs

After understanding your business needs, we will discuss with you the best funding option.  Most commonly within the hospitality industry, 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.

Flexible funding options

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

Staged, deferred or seasonal payments

Case Study

Reality Finance and Guestline keeping Hotel Sector ahead of the game

Reality Finance have worked with Guestline since 2018, offering affordable and easy payment plans across their full suite of products and services.   From Guestlines intuitive point of sale tools to fully integrated channel management solutions, customers from the Hotel Sector have the option to balance their payments monthly, as the solution is being used.  

Same Day Funding on EPOS Terminals

Fast funding decisions are crucial for the Hotel Sector.    Last month Reality financed 26 EPoS Terminals for a Portsmouth Hotel with training and project management wrapped into the same payment plan.    Reality were able to provide acceptance and within hours, giving the customer piece of mind they could start using their solution without delay - and without having to dip into vital cash reserves. 

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Neil Whitear, specialist Account Manager at Reality Finance arranged the finance on behalf of the company:

I was introduced to this customer by Guestline who were in need of new EPoS terminals for their hotel business. The customer was considering paying cash upfront but due to disrupted trading in recent times due to Covid, they felt more comfortable keeping cash reserves for a rainy day. After speaking with the customer, I was able to offer payment terms the same afternoon and documentation was sent out that very day.


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


some of our clients