What is Asset Finance?

Asset finance is a type of lending that gives you access to hard assets such as machinery, vehicles and equipment, and soft business assets such as software, office fittings and training. It can also enable you to release cash from the value in assets you already own.

Paying cash upfront for business assets can be expensive and potentially risky for cash flow. This is where asset finance can help by spreading the cost of the asset over a number of years in fixed monthly payments. This also leaves your cash reserves untouched and available for other areas of your business, enabling you to plan ahead financially.

Your funding options

  • Hire purchase

    This is legally an agreement to hire with the option to purchase at the end of the agreement. Spread the cost of a purchase over time by paying in instalments. The item appears on your company balance sheet and you are immediately responsible for maintenance and insurance costs. At the end of the purchase agreement your business owns the asset.

  • Finance lease

    Spread the cost of the full value of the asset over time, giving you full use of the item without technically owning it.

  • Operating lease

    An off balance sheet arrangement, ideal for high value equipment and machinery with a long life expectancy. Enjoy the benefits of using the equipment without the risk and responsibility of ownership. Choose to either return the asset at the end of the agreement or pay a reduced rental for continued use.


  • Sale and leaseback

    A simple answer for asset rich, cash poor businesses; unlock capital ties in existing assets by effectively selling equipment, whilst remaining its sole user, freeing up cash for other areas of your business.

  • Contract hire

    Enjoy full use of the asset over the hire agreement without the responsibility of ownership. Simply return the asset at the end of the agreement.

  • Total project payment plan

    Spread the cost of IT and consultancy services rather than paying an annual fee or up-front cost. Acquire vital services for your business today and pay for them over fixed affordable payments.

  • Unsecured business loan

    A quick an simple service with decisions typically made within 24 hours of application. Repay in fixed monthly payments over 6 months to 5 years.


Reality finance can fund assets of all shapes and sizes, from potato chippers to cloud based software. Take a look at the weird and wonderful assets we have previously funded.

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