Invoice Finance for Office
Fit Out Contractors
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Turn Unpaid Invoices Into Cash To Keep Refurbishments And Teams Moving
Office fit out projects often demand significant investment in design, furniture, construction, and technology. For many businesses, the challenge is not the profitability of the company but the timing of cashflow. Money tied up in unpaid invoices can leave companies unable to commit to projects when they need to.
Office fit out invoice finance provides a flexible solution. By releasing cash against outstanding invoices, businesses gain immediate access to the working capital required to fund refurbishments and upgrades. This ensures projects can start on time without waiting for customers to settle their accounts.
Why Cashflow is a Challenge for Fit Outs
Fit outs can require large, one-off outlays, often coinciding with periods of tight liquidity. Common cashflow challenges include:
- Outstanding Invoices – B2B companies may wait 30, 60, or even 90 days for payment.
- Project Timing – Fit outs often need to align with lease start dates or business expansion plans.
- Large Supplier Deposits – Furniture, technology, and construction providers often require upfront payments.
- Concurrent Costs – Businesses must continue paying wages, rent, and other expenses while funding the fit out.
- Seasonal Trading Variability – For some sectors, turnover may fluctuate, tightening cashflow further.
Invoice finance helps bridge these gaps by converting receivables into immediate working capital.
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How Office Fit Out Invoice Finance Works
The process of arranging invoice finance is straightforward:
Invoices Raised
A business issues invoices to customers as normal.
Funding Advanced
A lender advances up to 90% of the invoice value immediately.
Customer Pays
The customer pays the invoice in full on the due date.
Balance Settled
The lender releases the remaining funds minus agreed fees.
This process means cash is available straight away, supporting time-sensitive fit out projects.
Benefits of Invoice Finance for Fit Outs
Unlock Cashflow Quickly
Use unpaid invoices to fund refurbishments immediately.
Align Projects with Deadlines
Ensure fit outs can start and finish on schedule.
Preserve Bank Facilities
Alternative to overdrafts and loans.
Support Growth
Enables businesses to upgrade offices during expansion phases.
Flexible Access
Facilities grow in line with turnover.
Reduce Stress
Smooth out cashflow peaks and troughs.
Why Invoice Finance is Valuable for Fit Outs
For many businesses, cash is tied up in receivables at exactly the time capital is needed most. Invoice finance ensures fit outs are not delayed by slow-paying customers. This allows companies to deliver modern, functional workplaces without disruption to ongoing operations.
Unlike loans, invoice finance is not capped by a fixed limit but grows in line with business activity. This makes it particularly valuable for firms experiencing growth or working with multiple corporate clients.
Case Example – Marketing Agency Refurbishment
A creative agency in London wanted to refurbish its workspace to better reflect its brand and attract new talent. The project required £80,000, but £120,000 of invoices were outstanding with clients on 60-day terms. By using invoice finance, the agency unlocked cash immediately, paid its suppliers on time, and completed the refurbishment without delaying growth plans.
Why Choose MacManus Asset Finance?
Our clients trust us because:
- Sector Expertise – We understand the cashflow challenges associated with fit outs.
- Lender Network – Access to multiple providers offering competitive invoice finance.
- Tailored Arrangements – Solutions aligned to the specific needs of each project.
- Fast Access to Funds – Cash released quickly to meet deadlines.
- Ongoing Support – Facilities that grow in line with business expansion.
Key Takeaways
An office fit out is an important investment in productivity, culture, and growth. But waiting on slow-paying customers can delay essential projects. Office fit out invoice finance solves this problem by unlocking cash tied up in receivables, ensuring projects can proceed on schedule.
At MacManus Asset Finance, we specialise in arranging flexible invoice finance solutions that empower businesses to complete their fit outs without financial stress.
Office Fit Out Invoice Finance FAQs
Typically up to 90%, depending on the provider.
It is particularly suited to B2B firms with extended payment terms.
Yes, provided sufficient invoices are available to release the required funds.
Often within 24–48 hours of invoice submission.
Both confidential and disclosed options are available.
It can be used as a short-term facility for one project or as an ongoing solution.
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