Asset Finance for Office
Fit Out Contractors
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Acquire Furniture, IT Equipment And Vehicles Without Straining Cash Flow
Office fit outs can transform the way a business operates, but they also require significant investment. From furniture and lighting to IT infrastructure and audio-visual systems, the assets required to deliver a professional workspace are extensive. Paying for these items upfront often drains working capital and delays projects.
Office fit out asset finance offers a practical alternative. By spreading the cost of assets over time, businesses can complete refurbishments immediately while retaining liquidity for other priorities.
What Assets Can Be Financed in a Fit Out?
Asset finance can cover a wide range of items essential to a successful office refurbishment, including:
Furniture & Fixtures
Desks, chairs, partitions, reception areas, storage solutions.
IT Infrastructure
Servers, cabling, networking equipment, security systems.
Audio-Visual Technology
Screens, conferencing equipment, projectors.
Lighting & HVAC
Energy-efficient lighting systems and climate control solutions.
Catering & Breakout Facilities
Kitchen areas, coffee machines, staff amenities.
This flexibility means asset finance can support both small-scale upgrades and full office transformations.
How Office Fit Out Asset Finance Works
The process of arranging asset finance for fit outs is straightforward:
Assets Selected
The business identifies the required furniture, fixtures, or equipment.
Finance Arranged
A lender pays the supplier directly.
Installation Completed
Assets are delivered and installed.
Repayments Made
The business repays the facility over an agreed term, usually 1–7 years.
This approach ensures offices are ready for use quickly, without requiring large upfront payments.
Types of Asset Finance for Fit Outs
Several forms of asset finance may be used, depending on business needs:
Hire Purchase
Ownership transfers to the business after the final payment.
Finance Lease
Use of assets over a fixed term, with options at the end of the lease.
Operating Lease
Flexible arrangements often used for technology that requires regular upgrades.
Each facility type has its advantages, and the right choice depends on whether ownership or flexibility is the priority.
Benefits of Office Fit Out Asset Finance
Preserve Cashflow
Avoid tying up reserves in upfront costs.
Immediate Access
Projects can move forward without delay.
Flexible Terms
Repayments structured over 1–7 years.
Tax Efficient
Potential allowances and tax benefits depending on facility type.
Scalable
Facilities can be adapted for small or large projects.
Maintain Liquidity
Ensure working capital remains available for wages, marketing, and operations.
Why Asset Finance Is Ideal for Fit Outs
Fit outs often require a mix of high-value and low-value purchases, from large-scale IT systems to individual desks. Asset finance is uniquely suited to cover this range, making it a highly versatile funding solution. By spreading payments, businesses can invest in quality assets without compromising financial stability.
Case Example – Tech Firm Relocation
A technology firm relocating to new premises required £200,000 of furniture, cabling, and AV equipment. Paying upfront would have impacted recruitment plans. By arranging asset finance with a 5-year term, the firm spread costs into manageable monthly payments, ensuring both the fit out and staffing goals were achieved.
Why Choose MacManus Asset Finance?
At MacManus Asset Finance, we specialise in structuring asset finance facilities for office fit outs. Our clients choose us because:
- Sector Experience – Understanding of the diverse costs in fit out projects.
- Lender Access – Wide network of providers to secure competitive rates.
- Tailored Facilities – Structures matched to each client’s priorities.
- Fast Approvals – Funding arranged quickly to meet project deadlines.
- Long-Term Partnerships – Support available for future refurbishments and expansions.
Key Takeaways
Office fit outs are vital investments in the future of a business. Office fit out asset finance makes these projects achievable by spreading costs across manageable monthly payments, ensuring companies can deliver inspiring workspaces without sacrificing liquidity.
At MacManus Asset Finance, we arrange tailored finance packages that help businesses fund their office refurbishments with confidence and ease.
Office Fit Out Asset Finance FAQs
Yes, most assets involved in a fit out can be covered.
Usually 1–7 years, depending on the facility.
With hire purchase, yes. With leases, options vary.
No, it can support both small upgrades and major refurbishments.
In many cases, yes, but this depends on the facility type and business circumstances.
Often within days, ensuring projects move forward without delay.
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