Complete this online form with details of your enquiry and one of our advisors will call you back.
Gable Asset Finance helps UK businesses access straightforward, tax-efficient and flexible finance for office furniture and complete fit-out projects. If you are planning a new office, refurbishing an existing workspace or equipping a satellite site, we provide tailored solutions — hire purchase, operating lease, finance lease, equipment loans and sale & leaseback — so you can preserve working capital while creating an attractive, productive environment.
The team at Gable Asset Finance understand exactly what office furniture and fit-out items can be financed, the finance products available and when to use each, tax and VAT considerations, practical case studies, how we often beat supplier finance quotes, ESG and sustainability options, lender expectations and a step-by-step checklist to prepare your application. The page is written for owners, finance directors, facilities managers and contractors who want clear, practical guidance when funding workplace equipment and projects.
Buying furniture outright ties up cash that could be used for operations, marketing or growth. Finance spreads the upfront cost into predictable monthly payments, making it easier to manage cashflow and plan for future investment.
Key reasons businesses choose furniture & fit-out finance:
We can finance almost any tangible item required to furnish and operate an office. Typical categories include:
Modern fit-outs are rarely just furniture. To keep project administration simple and ensure the whole environment is delivered together, we frequently include the following within a single finance package:
Including all elements in one finance package simplifies cashflow and supplier payments: the funder releases drawdowns to the contractor/supplier per agreed milestones or upon delivery and installation.
Below we explain the common finance products used for office furniture and fit-outs and the situations they best suit. Choosing the right structure depends on ownership goals, tax position, upgrade plans and balance sheet considerations.
How it works: With HP the funder purchases the furniture and hires it to you. You make fixed monthly payments and ownership transfers to you at the end of the term once the final payment is made (or through a token fee).
Best for: Businesses that want to own furniture at the end of the agreement. Good for durable items like desks, storage units and bespoke joinery.
Benefits: Predictable instalments; equipment becomes your asset; potential capital allowances.
How it works: A finance lease provides use of furniture over a set term. The funder retains legal ownership and you pay rentals. A purchase option is commonly available at the end.
Best for: Companies that want long-term use but prefer the funder to manage residual value, or where ownership is not immediately required.
How it works: You rent the furniture for a period and return or upgrade at the end. Operating leases are often off-balance-sheet for some accounting treatments (subject to standards) and allow easier refresh cycles.
Best for: Businesses who want the lowest monthly outlay and frequent upgrades (e.g., hot-desking or collaborative furniture that may need modernisation).
How it works: A standard loan is used to buy the furniture outright. You own the assets immediately and repay capital plus interest over the term.
Best for: Businesses who prefer ownership, want to claim capital allowances and have a balance sheet strategy that supports this approach.
How it works: If you already own furniture, sell it to a funder and lease it back. This frees up cash, while you continue to use the items.
Best for: Companies needing immediate liquidity without interrupting operations — useful if capital is tied up in inventory, furniture or equipment.
How it works: For large fit-outs we can combine HP, loans and operating leases into one blended package, with staged drawdowns tied to project milestones and supplier acceptance.
Best for: Multi-site rollouts, major refits and projects where different asset classes (IT vs. joinery vs. furniture) require different finance terms.
How it works: Repayments tied to revenue streams or card takings — helpful when cashflow is variable.
Best for: Start-ups, retail environments within offices, coworking models or reception areas with revenue-generating services.
Below are examples of how a typical office fit-out finance can be structured depending on needs.
Project: New desks for 20 workstations, 20 task chairs, meeting room table, reception desk and storage.
Recommended structure: Hire Purchase for desks, chairs and storage (3–5 year term) and operating lease for meeting room AV and IT (2–3 year term). This spreads the core furniture cost over a sensible asset life while keeping tech on a short refresh cycle.
Project: Turnkey fit-out including partitions, flooring, lighting, bespoke joinery, reception, meeting rooms and AV for a 6,000 sq ft office.
Recommended structure: Blended project finance with staged drawdowns linked to project milestones: deposit at commencement, progress payments during build and final drawdown on completion. HP or loan for joinery and built-in items; operating lease for AV and IT; small working capital facility for contingency.
Project: Rollout of standard furniture across 8 locations over 12 months.
Recommended structure: Centralised project package with staged payments per site, supplier discount pass-through, HP for permanent furniture and operating leases for per-site IT/hot-desk kits to allow upgrade between waves.
Many fit-out companies and furniture suppliers offer in-house finance or have preferred funders. Gable Asset Finance frequently provides a more competitive and flexible alternative. Here’s how:
If you already have a supplier quote, send it to us — we will compare and aim to beat it on price, flexibility or both. In many cases our access to specialist lenders and negotiation experience means we can reduce monthly costs, lower required deposits or provide more inclusive cover (maintenance, installation, warranty) than supplier finance.
Tax and accounting treatment are important in selecting finance. Please consult your accountant for specific advice, but the general considerations include:
If your business is VAT registered you can usually reclaim VAT on equipment purchased outright. For leases, VAT is generally charged on rental payments and may be reclaimable proportionally subject to business use. Bundled invoices (supplier + installation + fees) should be clear to ensure VAT reclaim is handled correctly.
Purchased furniture and fit-out items may qualify for plant & machinery allowances. The Annual Investment Allowance (AIA) and other capital allowance rules change over time — your accountant can advise on optimising timing of purchases.
Accounting standards require many leases to be shown on the balance sheet (right-of-use asset and lease liability). Discuss with your finance team how an operating lease or finance lease will impact covenants and ratios.
Environmental, social and governance (ESG) considerations increasingly influence procurement choices. We help structure finance that supports sustainable objectives:
To secure competitive terms lenders will typically require the following information:
While terms vary by lender, asset type and borrower profile, the following guidance is typical:
Situation: Rapidly growing tech company needed a modern 3-floor hot-desking office with benching, breakout areas and collaboration zones but wanted to preserve cash for hiring.
Solution: Gable arranged a blended package: HP for heavy joinery and fixed items, operating lease for hot-desk furniture and AV, and a short-term working capital facility for contingency. Supplier discounts negotiated through central procurement were passed to the client.
Outcome: Office completed on time with low initial outlay. Fixed monthly payments aligned to revenue growth and allowed recruitment to continue uninterrupted.
Situation: Law firm standardising office look across 12 regional branches with phased rollout to manage cashflow.
Solution: Project finance with staged drawdowns per site. HP for permanent joinery; short leases for AV; centralised ordering achieved volume discounts. Gable coordinated supplier logistics and payment timing to match site readiness.
Outcome: Consistent brand presence across all branches, negotiated savings and predictable monthly charges for the firm.
Situation: Retail head office needed an environmentally friendly refurbishment using recycled and low-impact materials.
Solution: Gable sourced lenders offering green terms for sustainable materials and refurbished furniture. Sale & leaseback of legacy furniture released capital for the new project.
Outcome: Improved office environment, lower embodied-carbon fit-out and a financing package that rewarded sustainability choices with better cashflow.
Yes. Where supplier/contractor invoices include installation, professional fees and project management costs we can usually include these in the financed amount. This keeps the entire project within one payment plan and simplifies cashflow.
Yes — high-quality used or refurbished furniture is financeable subject to condition, age and valuation. Lenders may require inspection reports and may apply different terms to used assets.
Often yes. Send us the supplier quote and we will benchmark across our lender panel. Our independence and volume relationships frequently allow us to secure better pricing, lower deposits or more inclusive packages.
Contact Gable Asset Finance with your supplier quote, equipment list and recent accounts. We will provide a no-obligation, side-by-side finance comparison and a recommendation on the best structure for your business.
Gable Asset Finance can arrange business finance and leasing office furniture to meet all business or office requirements. We deal with all the major UK manufacturers and can arrange business finance and leasing on office furniture to suit all budgets and tastes.
From multi-national corporations to call centres, from hot desking to home working requirements though to bespoke boardroom and reception areas, we are able to offer business finance and leasing solutions to meet all needs such as:-
We often are instructed to fund entire office fitout projects
We can arrange business finance and leasing to fund the fitout of entire offices from reception to boardroom and everything in between. From turnkey complete office refurbishment service to moving a wall or light we have a packages to accommodate all. Simple office refits to complete million pound commercial office refurbishments, We can provide funding for items including
Finance office and classroom furniture for schools, universities and colleges
Gable Asset Finance can also arrange business finance and leasing on for schools and other educational environments such as educational classroom tables, chairs, AV cabinets and noticeboard, clevertouch screens, pads and cleverboards.
Gable Asset Finance can offer business finance and leasing solutions whether its for a home office or the relocation of a multinational company. We can attend site visits and client meetings to make sure we can provide everything you need to complete your project.