More cash in your business when you need it.
Unlock the working capital your business needs to move forward. Whether you're managing cash flow, funding new contracts or releasing money tied up in unpaid invoices, Reality Advance can help you find the right funding solution.
Talk to the advance team →
Introducing Reality Advance
We look across a wide range of lenders
Clear explanations without the jargon
One contact who gets to know your business
Reality Advance is our specialist working capital funding service, helping businesses improve cash flow and release money tied up in their sales ledger.
Whether you're looking to fund growth, manage a temporary cash-flow gap or simply want greater control over your working capital, we'll help structure the right facility around your business.
Funding options for real business needs.
Invoice Finance
Get an advance against unpaid customer invoices, so you do not have to wait to use the cash.
Stock Finance
Use the value of stock in your business to help fund more purchases or seasonal demand.
Revolving Credit Facilities
Use money when you need it, repay it and draw it again, much like a flexible business credit line.
Cash Flow Finance
Cover a short-term cash gap, tax bill or VAT payment without draining day-to-day cash.
Trade Finance
Pay suppliers or fund a large order before your customer pays you.
Asset-Based Lending
Raise funding using a mix of business assets, such as invoices, stock, equipment or property.
Commercial Loans
Borrow a set amount for growth, a purchase, a project or to replace existing debt.
Debt Advisory & Refinancing
Check whether your current borrowing still works for you and explore better-fitting alternatives.
Four straightforward steps.
STEP 01
Understand
Tell us about your business, what you need and what is getting in the way.
STEP 02
Review
We look at the numbers and explain which options could work.
STEP 03
Structure
We speak to suitable lenders and compare the offers.
STEP 04
Deliver
We stay involved, help with the paperwork and keep things moving.
Why Reality Advance
Unlock your Capital - without the jargon.
You do not need to know the finance terminology. Tell us what you are trying to achieve and we will talk you through the options, costs and next steps.
A wide choice of lenders
We look beyond your existing bank.
Options shaped around you
Funding that works with how your business gets paid.
Clear, practical help
We explain what is happening at every stage.
A person you can call
One adviser who gets to know you and your plans.
Talk to the Advance Team
Specialist funding support, built around your business.
Whether you're looking to improve cash flow, release working capital or explore new opportunities for growth, the Reality Advance team is here to help.
Led by Nathan Barnes, who brings eight years of experience at Investec Bank, the team takes a personal, consultative approach to understanding your business and identifying funding solutions that work for you.
Having spent eight years at Investec Bank, supporting businesses from start-ups through to the mid-market, I saw an opportunity at Reality Finance to build something broader. I wanted to combine specialist working capital experience with a genuinely consultative approach, helping business owners explore the funding options that fit their circumstances and ambitions. The right funding structure can provide important headroom, support new opportunities and give a business greater confidence in its next step.
Nathan Barnes
Head of Reality Advance
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