Funding businesses. Supporting growth. Making funding simple.
Since 2000, we've helped businesses access the funding they need to invest, grow and move forward with confidence. From asset finance and working capital to innovative payment solutions and digital funding tools, we bring everything together under one trusted funding partner.
One funding partner. More ways to grow.
Every business is different, and so are its funding needs. Whether you're taking on a new opportunity, investing in the latest technology or looking to strengthen your financial position, having the right funding partner can make all the difference.
We believe great partnerships are built on understanding. That's why we take the time to get to know your business, your challenges and your ambitions, offering clear guidance and practical support at every stage.
Our approach combines traditional relationships with modern thinking. By continually developing new ways to access and manage funding, we're making it easier for businesses, suppliers and partners to plan ahead, seize opportunities and achieve more.
- Asset Finance – Flexible funding for equipment, vehicles, machinery and technology.
- Software & Technology Funding – Helping businesses invest in essential software, systems and services.
- Reality Advance – Specialist working capital solutions to improve cash flow and support growth.
- monthlii – Smarter monthly payment solutions for suppliers and their customers.
- RealScore – Digital insights into funding eligibility, approval likelihood and lending capacity.
- Independent Funding Expertise – Access to a wide network of lenders and tailored funding options.
- A Partner You Can Rely On – Over 25 years of experience, personal service and ongoing support.
Pay monthly, made simple. With a person when you need one.
Your customers pay monthly and you get paid in full, upfront. Straightforward deals, and renewals, go straight through without your team lifting a finger. When a deal gets complicated, you have a named account manager to call.
One funding partner. More ways to grow.
Price is the most common reason a good software deal stalls. Monthlii takes it off the table.
We help UK software, technology and IT services companies offer their business customers a clear monthly payment. Your customer spreads the cost over 3 > 60 months (Up to 96 months for Hardware). You get paid in full, up front.
It works for renewals too. A large annual renewal invoice is a moment where good customers stop and reconsider. Spread it into a fixed monthly payment and the renewal becomes easy to budget for and easy to approve. That helps you protect recurring revenue and reduce churn, while you still get the full renewal value up front.
We handle the application, the approval and the paperwork, and keep you updated at every step. Your deal, your customer, your brand. We just make the price easier to say yes to.
Who we work with
- SaaS and ERP vendors selling licences, implementation and services
- Technology resellers selling hardware, software and support
- IT service companies selling services and much more
- Sales and channel teams who want fewer stalled deals and faster cash
What partners get
- The full value of the sale, paid up front
- A monthly price your sales team can quote in the first meeting
- Renewals your customers can spread monthly, so fewer slip or churn
- Calculators, a sales cheat sheet and training for your team
- An optional API integration to show monthly pricing in your own quotes
Business Finance. Simplified.
- Stop renewals stalling in finance - Spread the annual bill into monthly payments, and reduce your admin costs.
- Protect your margin and your project scope - Spreading the cost is a better concession than cutting it, and protects your list price and margin.
- Take the revenue, leave the risk - The funder underwrites the customer and owns collections. Bad debt and chasing stay off your books.
- Cash in full on day one - No 90 day terms or staged payments. The full contract value lands upfront.
- Terms that fit the deal - Multi-year licences, phased rollouts and services structured around the contract.
- A faster upgrade path - Customers on a monthly plan add seats, modules and services sooner.
Your business funding, all in one place.
Whether you're an existing Reality customer or exploring funding for the first time, RealScore gives you a clearer picture of your business funding position.
Your funding overview. Your future opportunities.
RealScore is your personalised business funding dashboard, bringing together everything you need to understand your current finance arrangements and plan for what's next.
Already a Reality customer?
RealScore gives you a convenient way to view your existing agreements, see your business funding profile and explore opportunities for additional finance. Whether you're considering new equipment, vehicles, software or working capital, you can see how Reality could support your next investment.
New to Reality?
Discover your business funding potential with your personalised RealScore. Using your company's financial information and trading history, the platform provides insights into your indicative lending capacity and approval likelihood, helping you explore suitable funding solutions with greater confidence.
RealScore combines useful digital insights with the experience of the Reality team, giving you greater visibility over your funding position and access to specialist support when you need it.
- Your RealScore – Understand your business funding profile and discover your potential for future borrowing.
- Existing agreements – View your current Reality finance facilities in one place.
- Lending capacity – Understand your business's indicative borrowing potential.
- Approval likelihood – See how likely your business is to qualify for different funding solutions.
- Funding opportunities – Explore finance across vehicles, equipment, software, VAT, working capital and more.
- One simple dashboard – Keep your funding information and opportunities together in one convenient place.
Expert support – Connect with the Reality team to discuss your existing facilities or future investment plans.
Unlock cash tied up in unpaid invoices. Without waiting for customers to pay.
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.
More cash in your business when you need it.
Every business needs access to cash to keep moving forward. Whether you're managing everyday costs, investing in growth or dealing with customers who take longer to pay, having the right funding in place can make all the difference.
Reality Advance is our specialist working capital funding service, helping businesses improve cash flow, release money tied up in their sales ledger and access funding when they need it.
We understand that no two businesses are the same. That's why we take the time to understand how your business operates, what you're looking to achieve and the challenges you're facing.
With access to a wide range of lenders and specialist funding solutions, we'll help you explore your options, explain everything clearly and structure a facility that works for your business.
- Slow-paying customers – Customers taking 30–90+ days to settle invoices.
- Business growth – Your business is growing faster than your cash flow can support.
- New contracts – You need working capital to take on new opportunities.
- Overdraft reliance – You're relying heavily on an existing overdraft facility.
- Outstanding invoices – Money tied up in unpaid invoices is restricting investment.
- Cash flow certainty – You want more predictable cash flow and greater financial flexibility.
- Untapped working capital – You have a large debtor book but limited available cash.
Frequently Asked Questions
Straight answers to the questions businesses ask most about business funding.
Yes. We understand that every business has to start somewhere. Although some lenders prefer businesses with an established trading history, we work with a wide panel of lenders offering different funding criteria. This means we may be able to find a suitable solution for newer businesses and start-ups, depending on your circumstances.
A lower turnover doesn’t necessarily mean you won’t qualify for funding. Lenders consider several factors, including your trading history, financial position, affordability and the equipment or assets you’re looking to fund. Our team will assess your requirements and explore the options available to your business.
Funding usually involves interest or other charges, so the overall cost may be higher than purchasing outright. However, spreading the cost over manageable monthly payments allows you to preserve working capital and keep cash available for other business priorities. For many businesses, that flexibility can be valuable.
We believe in being transparent about the cost of funding. Any applicable fees, charges and repayment terms will be explained before you enter into an agreement, so you can make an informed decision. We encourage you to ask questions and make sure you’re comfortable with the full cost before proceeding.
We understand that business circumstances can change. If you experience financial difficulties or your requirements change during your agreement, contact us as early as possible. We’ll help you understand your options and, where appropriate, work with your lender to explore possible solutions. Any changes will depend on your agreement and the lender’s approval.
Approval times vary depending on the type of funding, the lender and the complexity of your application. Straightforward applications can sometimes receive a decision within 24–48 hours, while more complex requirements may take longer. Our experienced team will guide you through the process and keep you updated at every stage.
The information required will depend on your business and the funding you’re looking for. Typically, we’ll ask for basic company details, the amount you wish to fund and information about the equipment or asset. Some lenders may also request financial accounts, bank statements or additional supporting documents. We’ll explain exactly what’s needed and help make the process as straightforward as possible.
That’s where we can help. With access to over 25 lenders and a range of business funding solutions, we’ll take the time to understand your requirements and recommend suitable options. Whether you’re purchasing equipment, investing in vehicles or looking to improve cash flow, our team can help you find a funding solution that works for your business.
Yes, many types of used and refurbished equipment can be funded. Eligibility will depend on factors such as the age, condition, value and type of asset, as well as the lender’s criteria. From machinery and commercial vehicles to technology and specialist equipment, we’ll explore the funding options available.
Why fund your business with Reality Finance
Reality can often source repayment options that are not offered by high street banks.
More about us- Quicker turnarounds - most funding decisions made within 24 hours.
- Principal lenders - We are a principal lender in our own right bringing additional flexibility to end customers.
- Over 25 Lenders - We have access to over 25 lenders which means plenty of flexibility and choice for your customers.
- Repayment options - Reality can often source repayment options that are not offered by high street banks.
- Quick quotes - Enjoy a free Quick Quote facility that allows your customers to get quotes quickly and easily.