Office Fit-Out Finance

Q: 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.

Q: 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.

Q: 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.

Q: 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.

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.

Typical Cost

£10k – £500k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

From 5.0% APR

Finance options

Hire Purchase (HP)

Rate: From 5.5% APR
Term: 12–60 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Businesses wanting to own furniture and fixtures outright

Finance Lease

Rate: From 5.0% APR
Term: 12–60 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate: From 5.8% APR
Term: 24–48 months
Deposit: None required
Ownership: Return at end
Best for: Refresh office space as you grow. Off balance sheet.

Representative example

Borrow £75,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£1,561. Total amount payable: ~£74,928. Rates depend on your circumstances.

Popular models

Model	Price Range	Type
Herman Miller Aeron Chair (x20)	£20,000 – £30,000	Ergonomic Seating
USM Haller Modular System	£15,000 – £40,000	Modular Storage
Steelcase Flex Collection	£10,000 – £25,000	Flexible Workspace
Full Open-Plan Fit-Out	£80,000 – £250,000	Complete Office

Tax benefits

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.

Market context

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.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

Frequently asked questions

Can I finance a full office fit-out?