The simple and painless way to budget for a workplace you can be proud of

why use fit-out finance?

Regardless of the scale of your project, financing will enable you to focus on the quality of the end result, rather than being restricted by a predetermined capital budget.  

Many of our clients match the term of the finance solution to the length of the lease on their business premises, giving a fixed monthly cost for all aspects of their business environment.

Whether you are a new business or a large company we have facilities to suit your individual requirements.  Not all businesses are the same, and we speak to every one to understand their exact needs and provide a bespoke solution to achieve these.  

what can be financed?

Often, when arranging a finance agreement for our clients, they are surprised about the scope of works that can be included.  We love being able to help our clients with a complete and structured solution for their fit-out requirements. 

We understand, that although the furniture is the “pretty” part of any fit-out, there is so much more to it.  From cabling and lighting, to floors and ceilings they are all as fundamental as each other when creating a positive working environment.   We are able to providing finance solutions for everything. 

This enables the full fit-out to be paid for with a regular periodic payment, making budgeting and decision making that little bit simpler. 

Some of things we regularly include are below, but we work closely with you and your supplier to provide a turnkey solution for all aspects of the the project.

the process

Once we know your requirements, and the payment requirements of your preferred supplier, it is a very simple process for you.  We realise that you will have many decisions to make and other demands on your time.  We arrange everything in the background, keeping you updated where required.

you contact focus with your requirements

Get in touch to discuss your plans.  If you already have a quote from your fit-out company, provide us with a copy.

we provide you with an illustration

Based on what you have told us we will send you a bespoke illustration with indicative finance figures and what information we will require from you.

you confirm you wish to proceed

Tell us your preferred finance term and provide us with any information we have requested.

we obtain credit approval

As soon as we have credit approval we will issue a formal acceptance.  We will check that the project cost has not changed then issue you the finance documentation.

you review and sign the documentation

We are of course here to answer any questions you may have.  Once received we will notify the supplier that everything is in place.

your fit-out company commences work

If they have requested stage payments for the project, we will release these on your instruction throughout the project.

completion of the project

We confirm with you that everything has been completed to your satisfaction.  The final payment is made to you supplier and your finance agreement starts.

benefits of asset finance

Focus can offer you a finance solution for every requirement, from a few desks and chairs, to a £1m fit-out.

We cover the whole of the UK and have facilities to suit all of our customers, from start up ventures to PLCs.

Asset finance is often used instead of outright purchase, as cash is king when it comes to the health of a business. Even the most profitable companies cannot survive with insufficient cash. 

Managers have to ensure they have enough cash to meet their day to day needs, their expansion plans, and reserves to fall back on when business slows down or plans don’t work out.

Your whole project can be completed without the need for any capital expenditure. The cash can then be used where it will produce the best return, such as in investment, operating activities or short term funding needs.

Keep existing banking arrangements, and credit lines free for more appropriate uses. Our finance facilities cannot be withdrawn like overdraft facilities.

Our finance payments are fixed for the whole term avoiding the effects of inflation and making cash flow forecasting and budgeting simpler. Bank facilities are generally related to interest rates, which is fine when they are low but can cripple cashflow when they increase.

You pay your employees monthly; you wouldn’t pay all of their salaries years in advance!  A monthly payment is far simpler to justify, and can even be broken down to a cost per employee per week or month.  Have a solution at today’s prices paid for from tomorrow’s income.

Rather than being restricted by capital expenditure budgets, specify what you really need.  If you were going to phase the project, you may benefit from cost savings by completing in one go. 

By utilising the right type of finance for project you can maximise or accelerate your tax relief.  We will guide you through the options available.

Finally, with Focus Finance you can expect prompt communication and a minimal amount of paperwork.

types of finance

The type of finance that will be most suitable for your business will depend on a number of factors. 

When we initially speak to you we will ask you a few questions so that we can provide you with some relevant options.  These will depend on your annual capital expenditure, what is being included in your project and whether you are VAT registered. 

We would always suggest that you then discuss your requirements with your accountant to determine what suits your needs best.  We are also happy to speak with them to answer any questions they may have.    

lease rental

lease rental

VAT payable on each rental - Various options to retain the asset at the end of the lease - Accounted for as revenue expenditure
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hire purchase

hire purchase

VAT payable up front - Option to purchase fee with last payment - Accounted for as capital expenditure
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frequently asked questions

If you have any questions we welcome phone calls or emails and will be pleased to help.  However we realise that your time is precious and before you know it another day has passed and you have not had the time.

Some of the most frequently asked questions and answers can be found below.

We can provide finance solutions without the need for any deposit, or if you wish to lower your regular monthly repayments you can of course pay a deposit if you wish.

Our minimum term is 12 months, and maximum term length is 60 months. 

A number of our existing clients have funded over a term to match the end of their commercial premises lease. 

We can provide both hire purchase and lease rental.  In some cases dependent on the specification and assets included, both agreements are utilised to maximise tax planning.  This can be discussed in more depth, in combination with your accountant. 

This depends on many factors including project value, length of time trading, and publicly available information.  Our aim is to make finance as simple as possible, so will only ask for information if it will aid an approval. 

Again this will depend on project value and scope, but please contact us to discuss your individual requirements and receive a bespoke illustration. 

There are no up front fees payable to Focus for arranging a facility.

There is a documentation fee payable to the funder with the first payment, and this is typically £150.00.

End of term arrangements will depend on the facility most suitable for you. 

Details of all fees will be clearly stated on any documentation issued to you.

You would be able to settle the agreement at any point throughout the term, however all rentals remaining under the agreement will be due.  Typically there is a small discount for settling early.

Please get in touch with us in whichever way suits you best.  Pick up the phone, send us an email, or complete the form below.  We are happy to discuss your requirements and provide you with some finance illustrations in confidence and without obligation.

finance your fit-out

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