Spread the cost of desks, seating and storage from £3,000 to £150,000+ with flexible finance options. HP, lease, or refinance
Yes, office furnitures 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 £3,000 to £150,000, 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
£3k – £150k
Approval Speed
24–48 hours
Same-day for < £50k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical office furniture 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 £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, 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 |
|---|---|---|
| Herman Miller Aeron Chair (x10) | £10,000 – £15,000 | Ergonomic Seating |
| Bisley MultiDrawer Storage System | £3,000 – £8,000 | Storage |
| Senator Circo Task Chair (x20) | £4,000 – £7,000 | Task Seating |
| Boardroom Table & Chair Set | £5,000 – £15,000 | Meeting Room |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Office furniture is moveable plant and generally qualifies for Annual Investment Allowance (AIA), letting you deduct the cost from taxable profits in the year of purchase. This is separate from fixed fit-out elements such as partitioning or flooring, which are treated as part of the building and attract different, more restrictive allowances. HP agreements allow you to claim capital allowances directly; lease payments are deducted as a business expense instead.
Office furniture is typically financed by businesses relocating, expanding headcount, or refreshing a lease before renewal, since it lets the cost be spread while cash is kept free for the move itself. Desks, chairs and storage are moveable assets with a resale market, which makes them straightforward for a lender to fund and recover if needed, unlike furniture screwed or wired into the fabric of a building. Most businesses replace seating and desks on a cycle tied to warranty life and visible wear, with high-turnover areas such as hot-desking floors refreshed sooner than fixed offices. A growing number of buyers blend new ergonomic seating with quality used or refurbished storage and tables to control cost, since furniture holds value well enough to make the secondhand market viable.
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.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.