Johnson Reed is a UK business finance provider operating as both a direct lender and an independent broker. Known for taking an un-bank-like approach to commercial funding, the firm often funds specialised equipment that traditional high street banks consider high risk. From office fit-outs to fitness hardware, Johnson Reed offers flexible financial solutions designed to help UK businesses acquire essential assets and secure working capital.
What Finance Does Johnson Reed Offer?
Johnson Reed arranges and provides a broad range of commercial finance products through its direct lending capabilities and its wider panel of lenders. Business owners looking for funding can access products tailored to asset acquisition, property development, or cash flow management.
The main business finance products available through Johnson Reed include:
Asset Finance: Funding designed to help businesses purchase machinery, vehicles, or equipment while spreading the cost over time.
Hire Purchase: A straightforward facility allowing businesses to spread the cost of an asset over a fixed term, ultimately owning the asset at the end of the agreement.
Finance Lease: A lease agreement where the business rents the equipment for a set period without taking ownership.
Asset Refinance / Sale and Leaseback: A structure allowing companies to unlock capital tied up in existing owned assets.
Business Loans: Unsecured or secured commercial loans to support working capital, expansion, or operational expenses.
Revolving Credit / Line of Credit: Flexible credit lines that allow businesses to draw down funds as needed to maintain cash flow.
Commercial Mortgages, Bridging and Development: Funding solutions structured for property purchase, commercial development, or short term property finance.
VAT and Tax Loans: Short term facilities to help businesses spread the cost of tax bills or VAT payments evenly across the year.
Summary of Johnson Reed Key Facts
Below is an overview of the key details, deal sizes, and finance types provided by Johnson Reed.
Feature | Details |
|---|---|
Provider Type | Lender and broker |
Minimum Deal Size | £5,000 |
Maximum Deal Size | £1,000,000 |
Specialisms | Interior & Gym/Padel Finance, aesthetic equipment, Fit-outs, Renewables, Tech |
Government Schemes | Accredited lender for government-backed schemes (e.g. Growth Guarantee Scheme) |
FCA Firm Reference Number | 661888 |
Companies House Number | 05635282 |
Who Does Johnson Reed Suit?
Johnson Reed is particularly well suited to independent gyms and businesses undertaking office fit-outs and needing specialized equipment. Because many traditional lenders view interior fit-outs, gym machinery, and aesthetic equipment as high risk or low equity assets, mainstream banks frequently decline these applications. Johnson Reed specializes in interior and gym finance, enabling fitness centers, corporate offices, and clinical aesthetic facilities to secure funding for specialized hardware and interior transformations.
Key Eligibility and Deal Sizes
Johnson Reed considers funding requests with a minimum deal size of £5,000 up to a maximum deal size of £1,000,000. This range makes their products suitable for small equipment updates as well as major commercial refurbishments.
The provider is an accredited lender for government-backed funding schemes, including the Growth Guarantee Scheme, providing additional options for UK firms seeking supported finance facilities. Regarding business structure, Johnson Reed does not publish whether sole traders are eligible for their finance facilities.
For regulatory verification, Johnson Reed operates under FCA firm reference number 661888 and Companies House number 05635282.
How to Apply and Access Johnson Reed Finance
Businesses can access Johnson Reed finance products through finance brokers or platforms like SME Money, commercial marketplaces, or by visiting their official website. Because Johnson Reed acts as both a lender and a broker, they can either fund transactions directly or introduce applications to third-party funding partners on their panel.
Compare Business Finance Options with SME Money
Choosing the right commercial funding provider is a critical step for any growing business. While Johnson Reed offers strong expertise in interior, gym, and aesthetic equipment funding, exploring alternative options helps ensure you secure terms that fit your financial goals.
At SME Money, we connect UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank. Whether you require asset finance, business loans, or property facilities, comparing multiple options helps you find competitive terms tailored to your business needs.