Partners & Suppliers

Q: What is the role of a “supplier” when using Reality Finance?
A: As a supplier, you propose the software, equipment, or service to your client — then introduce your client to us (the broker / funder). We handle the finance application, approval and payment. You simply continue delivering your product, while your client enjoys flexible monthly payments.

Q: Do you need to be regulated by the Financial Conduct Authority (FCA) to refer clients for finance?
A: Not if you only refer qualifying businesses. Under current FCA rules, introducing a finance option is only a regulated activity if the customer is a “regulated” borrower (e.g. consumer, sole trader, small partnership). 
If you only refer finance for Limited Companies (Ltd), Limited Liability Partnerships (LLPs) or larger Partnerships (4+ partners) — and the finance is for commercial/business use — then the loan is exempt and you do not need FCA authorisation. 

Q: Does a Personal Guarantee (PG) from a Director affect regulation status?
A: No. Even if a Director provides a personal guarantee for a company loan, the borrower remains the business (the Limited Company) — so the agreement stays exempt and the introduction remains unregulated under current rules.

Q: Is there a fee or cost to the supplier for introducing a client to Reality Finance?
A: No — as an introducer, there’s no charge to you. We arrange everything with the lender, including fees and repayments. You receive payment as if the sale were immediate, while your customer pays via monthly instalments.

Q: What types of purchases or services can be financed through Reality Finance?
A: Our finance covers a broad range of B2B needs: software licences, subscriptions, equipment, fit-outs, hardware, business services — basically anything that helps your clients run or grow their business.

Q: How does the process work from quote to finance approval?

1. You include a monthly payment option on your quote (via our API or widget).
2. Your customer chooses their preferred payment terms.
3. We submit the finance application — the customer gets a fast decision.
4. If accepted, we handle the funding. You get paid up front. Customer pays in instalments.

Q: Are there limits on loan size, repayment period or types of businesses you finance?
A: Generally, we finance business-use purchases for Limited Companies, LLPs or suitably large partnerships. Loan amount and repayment terms depend on the deal and lender — but as a general rule we structure the agreement for business-use only. You can contact us if you have a specific use-case or question.

Q: What if I’m unsure whether a customer qualifies as “business” or “consumer”?
A: If you’re in doubt — don’t guess. Ask us. We’ll help you check whether the client falls under “exempt” categories or whether FCA authorisation would be required to proceed. That way you stay compliant while serving your clients.

Q: Where can I check that Reality Finance is FCA-authorised?
A: You can visit the FCA Register online — we’re fully authorised. This helps your clients feel confident, and reassures you the process is compliant.