Can I finance a full office fit-out?

Yes. Most lenders allow you to bundle furniture, technology, partitioning, and lighting into a single finance agreement. This is the most cost-effective approach.

What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.

Can I include IT equipment in the fit-out finance?

Yes. Monitors, docking stations, phone systems, and other tech can be included alongside furniture if they're on the same supplier invoice.

How quickly can I get office fit-out finance?

Most applications are approved within 24–48 hours. For deals under £75k, same-day approval is common. Larger projects may take 3–5 working days.

Office Fit-Out Finance

Spread the cost of office fit-outs from £10,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

⚡60-second enquiry

🔒No credit check

📊200+ lenders

🇬🇧UK-based advisors

Typical cost range

£10,000 – £500,000

Average: £75,000

Finance available

HP · Lease · Refinance

From 5.0% APR

Approval speed

24–48 hours

Same-day for < £75k

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Finance Options for Office Fit-Outs

Hire Purchase (HP)

RateFrom 5.5% APR

Term12–60 months

Deposit10–20%

OwnershipYours at the end

Best for: Businesses wanting to own furniture and fixtures outright

Finance Lease

RateFrom 5.0% APR

Term12–60 months

DepositNone required

OwnershipReturn or buy (balloon payment)

Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

RateFrom 5.8% APR

Term24–48 months

DepositNone required

OwnershipReturn at end

Best for: Refresh office space as you grow. Off balance sheet.

Popular Office Fit-Out Models & Costs

Herman Miller Aeron Chair (x20)£20,000 – £30,000Ergonomic Seating

USM Haller Modular System£15,000 – £40,000Modular Storage

Steelcase Flex Collection£10,000 – £25,000Flexible Workspace

Full Open-Plan Fit-Out£80,000 – £250,000Complete Office

Tax Benefits of Office Fit-Out Finance

Office furniture and equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP agreements allow capital allowances. Lease payments are fully deductible from profits.

UK Office Fit-Out Market

The UK office fit-out market is worth £2.3bn annually. Average fit-out cost in London is £80–£150 per sq ft; outside London, £50–£90 per sq ft. 72% of UK businesses plan office upgrades to support hybrid working.

Frequently Asked Questions

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