Reward Funding: products, terms and eligibility

Reward Funding is a UK provider of bridging loans. The legal entity named on its site is Reward Finance Group Limited, company number 07385919. It is based in Leeds. It gives its founding year as 2010.

Reward Funding, run by Reward Finance Group Limited of Leeds, says it launched in 2010 to fill the gap left by traditional funding. Its site names Nick Smith as Chief Executive and describes in-house underwriting with direct human decision-making. It says it is a member of NACFB, FIBA, the FLA and AABF.

In its own words on scale:

• Says it has 5 UK offices and more than 90 employees (figures on its site in October 2026).
• Says it has more than 600 clients and more than 400 introducers (figures on its site in October 2026).

Everything on this page comes from what Reward Funding publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Reward Funding publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Business finance: Monthly interest payments with no capital repayment during the term; settled at end of term or renewed.

Property finance (incl. bridging)

Loans of up to £5 million for up to 24 months with an option to renew, against residential or commercial property, on a first or second charge basis. Bridging loans run for 3 to 12 months with extension options. Limited companies and sole traders can borrow, and set-up and legal fees can be rolled into the agreement.

Business finance

Loans of up to £5 million for up to 24 months with a renewal option, aimed at asset-rich companies. Repayment is monthly interest with no capital repayment until the end of the term, and the site describes using the loan like an overdraft. Security can be commercial or residential property, plant and machinery, or other assets, encumbered or unencumbered, on or off balance sheet.

Asset finance

Multi-asset finance, including property, of £100,000 to £5,000,000 over 24 to 60 months. It is used either to release capital from assets the business already owns or to fund new ones. The site describes an analyse, plan and manage process that looks at trading, cash flow, people and assets.

Reward Funding says its finance is used for:

• Buying property or building a portfolio
• Bridging a property purchase
• Developing new products or services
• Buying new equipment
• Improving cash flow and consolidating debt
• Business turnaround and growth investment

Sectors and business types it says it funds:

• Property
• Asset-rich businesses needing working capital or acquisition funding
• Equipment and vehicle refinancing; case studies include holiday parks, taxi companies and property development

Reward Funding publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Limited companies, sole traders and other ownership structures.
• Viable businesses with assets to borrow against.
• Assets can be unencumbered or on finance with other lenders, on or off balance sheet.

Reward Funding describes its process like this:

1. Contact the lender directly with the funding need.
2. The lender analyses the whole business picture: trading, cash flow, people and assets.
3. It plans a structured proposal.
4. It manages ongoing support after funding.

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Reward Funding publishes that are worth knowing:

• Secured on commercial or residential property, plant and machinery.
• First and second charges are offered on property finance.
• Says set-up and legal fees can be rolled into the agreement.

Security and guarantees

Lending is asset-backed, with security including commercial and residential property and plant and machinery, which can be encumbered or unencumbered. Property finance can be on a first or second charge.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Reward Funding how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include Rocket Bridging, Roma Finance and Sancus UK. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.