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Financing Your Project

Flexible solutions

2025: CELEBRATING 35 YEARS IN THE INDUSTRY

FINANCING YOUR PROJECT

If you’re looking for a flexible method of paying for your fit-out or refurbishment without incurring a substantial up-front cost, leasing could be ideal for you. This cost and tax-effective payment option means that not only will you free up more cash flow in the short term, but repayments can also be broken into affordable, predictable amounts so you can reliably and easily calculate your available budget. 

For help with financing your project, contact Plus Finance, our financial leasing partner.

FIT-OUT AND REFURBISHMENT LEASING

Leasing is available to any UK-registered business, whether you’re a start-up, SME, limited company, LLP, PLC, or not-for-profit organisation. If your business isn’t limited, financing is still an option for projects over £25,000 + VAT. This flexible approach makes leasing a practical choice for a wide range of businesses looking to spread the cost of their fit-out or refurbishment and gives the following benefits.

  • No large up-front payments, so you maintain cash flow, preserve liquidity and keep valuable working capital available.
  • Fixed repayments throughout the lease term, making budgeting simpler and eliminating unexpected costs.
  • Flexibility to spread the cost of your project across the space of various repayment term options based on your needs and budget, allowing you to create the workspace you need without cutting your vision short.
  • Repayments are 100% allowable against taxable profit, giving you tax advantages on your fit-out.
  • Your existing bank credit lines are less affected, providing you with more flexibility for using credit against other business developments or investments.

FAQS ABOUT LEASING

HOW MUCH COULD I LEASE?

The minimum lease value you could use is £1,000 (excluding VAT), with no maximum. 

HOW LONG DOES IT TAKE TO GET FINANCING?

Once we’ve received all the information required to proceed, your finance could be approved in as little as 24 to 48 hours.

WHAT REPAYMENT TIMEFRAMES ARE AVAILABLE?

You can spread the cost of your fit-out over two, three, four or five years, allowing you to choose a repayment plan that aligns with your budget and lease agreement. This flexibility means you can match the lease term of your building or any break clauses, ensuring your payments work in line with your tenancy.

WILL I OWN THE SPACE?

As you are effectively renting the space, Plus Finance owns the assets.

WHAT HAPPENS AT THE END OF THE LEASING CONTRACT?

Once all payments have been made, you have the option to continue using the assets indefinitely with a one-off small “lifetime” rental. 

WHAT HAPPENS IF I DON’T KEEP UP WITH REPAYMENTS?

As with any finance contract, your assets could be at risk should you fail to keep up with payments. Plus Finance will be on hand to help you create a repayment plan that works for your budget and preferences, so you can comfortably afford to meet the payment requirements.