Office Furniture and Fit Out Finance

Furnish a new workspace or give a tired one a fresh start. We have arranged office furniture leasing and fit out finance since we began trading.

Desks, seating and storage
Complete office fit outs
Finance from £1,000

Cost my fit out Chat to the team

Empty modern open plan office workspace ready for office furniture leasing

What office furniture leasing can spread across your fit out

Furnishing an office means many items from one or more suppliers, and the total adds up fast. Office furniture leasing brings them together on one agreement. Browse more in our guide to everything we can finance.

Desks and workstations

Desk leasing for fixed and height adjustable desks, bench systems and screens on open plan floors.

Office seating

Task chairs, meeting chairs and soft seating chosen for comfort through a working day.

Meeting and boardroom furniture

Tables, cabinets and credenzas for rooms where clients and colleagues gather.

Storage and filing

Pedestals, lockers, shelving and cabinets that keep a workspace organised.

Reception and breakout areas

Counters, sofas and kitchenette fit outs that set the tone for visitors and staff.

Partitions and acoustic panels

Glazed screens and sound absorbing panels that divide space without major building work.

Technology and cabling

Computers and displays that go with the new desks.

IT equipment finance

Heating and cooling

Climate control for the finished space.

Air conditioning finance

For businesses moving in, expanding or refreshing

A move or a refurbishment brings costs that are easy to underestimate. Spreading them with office furniture leasing keeps working capital free for the things that earn money.

Businesses taking a new lease

Furnish the space before day one.

Growing teams

Add desks as headcount rises.

Serviced offices and co working

Furnish many rooms at once.

Hospitality and leisure venues

Furniture alongside other equipment.

Schools and clinics

Durable seating and storage.

Landlords letting offices

Make vacant space easier to let.

Ways to arrange office fit out finance

Furniture stays useful for a long time, so ownership is often attractive, though office furniture leasing keeps costs level. The HSE explains what employers need to provide for staff who use screens in its guidance on display screen equipment, which is a helpful starting point when choosing desks and chairs.

Hire purchase

Spread the price over the term and own the furniture after the final payment. It suits items that will stay in use for many years.

Best for desks, seating and storage you plan to keep.

How hire purchase works

Finance lease

Pay a fixed rental for the use of the furniture without outlaying the full cost. Rentals are usually treated as a business expense.

Best for a short or fast changing office where layouts may be redone.

How a finance lease works

Sale and leaseback

If you already own furniture and fixtures, you can sell them to a lender and lease them back, releasing money for the next stage of a refit.

Best for funding a refurbishment from existing assets.

How sale and leaseback works

From floor plan to finished office

Fit outs run to tight timetables, so we keep the office furniture leasing process short and clear.

Step 1

Plan the space

Your furniture supplier measures up and quotes for every item, delivery and fitting included.

Step 2

Tell us about your business

Send the quote and brief details, and mention your move in date.

Step 3

Decision within 24 hours

We submit your proposal to lenders suited to it and report back quickly.

Step 4

Sign and move in

Sign electronically, your supplier is paid and the furniture is delivered.

Example: furnishing a new 25 person office

A software consultancy is moving into a larger floor to make room for new starters. Rent, legal fees and removals are already due, and the furniture quote arrives on top.

By choosing office furniture leasing over several years, the firm moves in on time with everything in place and keeps cash for the move itself. A different approach to furnishing a venue is shown by Max XP, where John Taggart funded coffee, catering, furniture and gaming equipment to open his venue.

If your team keeps growing, our article on equipment finance for growing businesses shows how to add more later. For printers and copiers, see photocopier leasing.

See my monthly figure

Typical 25 person fit out

Twenty five height adjustable desks£13,750

Twenty five ergonomic task chairs£6,250

Meeting room table and chairs£3,400

Storage, lockers and pedestals£2,600

Reception counter and breakout seating£4,000

Total funded£30,000

Illustrative furniture and fit out prices only. Your monthly cost is set by the lender once your application has been assessed.

Office furniture finance questions

Not found your answer? Our FAQ page covers more, or you can ask the team about your project.

Useful downloads

Office furniture brochure Benefits of leasing Leasing FAQs

Expanding into new premises? Read our guide to funding equipment for growth.

Is there a minimum spend for office furniture leasing?

Finance is available from £1,000, so even a small refresh qualifies. There is no upper limit for larger fit outs.

Can delivery and assembly be included?

Normally, yes. Delivery, assembly and fitting can be part of the agreement if they are shown on your supplier's quote.

Can a new company get office furniture finance?

Yes. Start ups are considered, and a deposit or director's guarantee can help. Our start up funding page has more detail.

Can I mix furniture from different suppliers?

Often, yes. If the suppliers' quotes are combined, they can usually be funded together, which keeps you to one payment.

Is office furniture finance tax efficient?

Rentals are usually allowable against profit, and bought items may qualify for capital allowances. Ask your accountant what applies to you.

What if I move premises before the agreement ends?

The agreement continues, so you would normally take the furniture with you. Talk to your account manager before you move so the lender is told the new address.

Planning an office fit out?

Send us your furniture quote.

We will get you a decision within 24 hours.

Start my fit out quote Call 0191 250 1550