Reward Finance Group

What they do

Reward Finance Group offers short-to-medium-term secured lending to UK SMEs and property investors across three broad product lines: Business Finance (asset-backed working capital and acquisition finance), Property Finance (bridging and short-term property loans, first and second charge), and Asset Finance (equipment and plant). Their core "Asset Based Solutions" product consolidates multiple asset classes — debtors, commercial and residential property, plant and machinery, and stock — into a single facility, with advance rates publicly stated at up to 90% against debtors, 80% against residential property, 70% against commercial property, and 60% against plant and machinery. Invoice finance is also offered as a standalone product through subsidiary Reward Invoice Finance Limited. Facilities run from 3 to 60 months depending on product, with revolving and term structures available. Since inception in 2010 the group has deployed over £1.2bn across more than 2,000 clients; as of late 2024 its loan book exceeded £200m with a stated target of £500m within three years.

Where they fit in a lower-mid-market raise

Reward is well-suited to UK SMEs that are asset-rich but find mainstream banks unresponsive — particularly where a business has tangible collateral (property, plant, debtors) but an irregular earnings profile, limited track record, or a time-sensitive need. Their case study range shows deals from c.£110k to over £4m, placing them in the lower-mid-market. For a lower-mid-market borrower seeking a working capital facility or short-term bridging loan secured against mixed assets, and where speed of credit decision matters, Reward is a credible first-call option. They explicitly state appetite for distressed and turnaround situations, which broadens their relevance in restructuring-adjacent mandates. Their six regional offices (including Leeds HQ) mean regional relationship coverage is genuine rather than nominal.

Where they are not the fit

Reward is not a fit where the borrower needs a clean unsecured or cashflow-only facility: every product requires tangible collateral. Their published upper ticket of £5m means they are not suited to transactions materially above that level. They are a short-to-medium-term lender (typically 3–60 months) rather than a provider of long-term term loan capital, so they are less appropriate where a borrower needs a five-year-plus facility without refinancing risk. Businesses with no realisable asset base — e.g. pure SaaS or professional services firms with minimal tangible assets — are unlikely to fit their credit model.

This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.