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 our 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.
Could Reality Advance help your business?
Yes, if you recognise any of the following:
- ✓ Customers are taking 30–90+ days to pay
- ✓ You're growing faster than your cash flow can support
- ✓ You need working capital to take on new contracts
- ✓ You're relying heavily on an overdraft
- ✓ Outstanding invoices are restricting investment
- ✓ You want more predictable cash flow
- ✓ You have a large debtor book but limited available cash
Let's have a conversation
Reality Advance is part of Reality Finance. We help business owners find funding to cover everyday costs, take on new work, buy stock, grow or replace existing borrowing.
We start by listening. Once we understand what you need, we explain the options in plain English and approach the lenders that may be the best fit.
A straightforward conversation could help you find a better way to fund what comes next.
Speak to Nathan Barnes
Nathan Barnes specialises in helping businesses structure invoice and working capital facilities around the way they actually trade.
Whether you're reviewing an existing facility, struggling with slow-paying customers or simply want to understand how much funding your debtor book could support, Nathan can talk through the options.
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.
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.
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.
Ready to talk about your funding options?
A straightforward conversation could be the first step towards finding the right funding for your business.
Talk to Nathan →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