Spread the cost of bench desking and workstations from £2,000 to £80,000+ with flexible finance options. HP, lease, or refinance
Yes, desk fleets are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £2,000 to £80,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£2k – £80k
Approval Speed
24–48 hours
Same-day for < £40k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical desk fleet price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Bench Desk System (x10 desks) | £6,000 – £12,000 | Bench Desking |
| Height-Adjustable Sit-Stand Desk (x10) | £8,000 – £16,000 | Ergonomic |
| Senator Circo Task Chair (x10) | £2,000 – £3,500 | Task Seating |
| Full Floor Desk Fleet (x40 desks) | £25,000 – £50,000 | Large Office |
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For UK limited companies with 3+ months’ trading and monthly revenue.
A desk fleet is moveable plant and generally qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase. HP agreements allow capital allowances to be claimed directly; lease payments are instead deducted as an ongoing business expense. Because desks are not fixed to the building, they are treated differently for tax and for finance purposes than partitioning or built-in joinery.
Desk fleets are typically financed when a business is moving to new premises, growing headcount, or replacing an ageing office in one go rather than desk by desk. Buying a whole fleet on one agreement is more common than buying individually, since it keeps procurement simple and spreads a single large invoice into predictable monthly payments. Sit-stand and height-adjustable desks have become the default specification for new fleets, driven by workplace wellbeing standards rather than cost, and they typically carry a premium over fixed-height bench desking. Replacement cycles tend to run longer than seating, often eight to ten years, because desks see less physical wear than chairs and are less likely to fail outright.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat professional services assets
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Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.