The simple & painless way to budget for a workspace you can be proud of

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finance solutions for Workplace Interiors Co

Focus and Workplace Interiors Co started working together as not only are both companies multi-generational family business, they both have the same ethos, putting the customer’s needs at the front of the purchasing journey.

Whether you are a new business or a large company we have facilities to suit your individual requirements.  Finance is available to non regulated customers which includes limited companies and larger partnerships.

 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.

benefits of asset finance

Focus can offer you finance solutions for the full fit-out solution that Workplace Interiors Co provide.

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.

Leasing can often overcome capex restrictions and enable quicker decisions.

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 Our finance facilities cannot be withdrawn like overdraft facilities.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 an amazing new office at today’s prices paid for from tomorrow’s income.

Rather than being restricted by capital expenditure budgets, specify what you really need. 

By utilising the right type of finance for the 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.

finance figures

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

These will include the annual capital expenditure for the business and whether it is VAT registered. 

We would always suggest that requirements are discussed with the company’s accountant to determine which option is best.  We are also happy to speak with them to answer any questions they may have.    

Once you have a cost, just enter it below.  You will then be shown indicative monthly payments. 

Please note these assume the business has been trading for more than 3 years and are subject to credit approval.

We can help with younger businesses, so just get in touch to discuss your requirements.

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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the process

Once we know your requirements, 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 Workplace Interiors Co with your requirements

Get in touch with Workplace Interiors Co  to discuss your exact requirements.  They will provide you with a quotation.

obtain finance figures

Contact us for a bespoke illustration or use the calculator above to obtain indicative figures. 

you confirm you wish to proceed

Tell us your preferred finance term and we will advise what information we will require from you. 

we obtain credit approval

As soon as we have credit approval we will issue a formal acceptance.  We will then issue you with documentation to complete.

you review and sign the documentation

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

Workplace Interiors Co arrange a delivery date

We will ensure that any funds required to place the order are paid to Workplace Interior Co.  They will then liaise directly with you regarding a delivery date, and let us know when this has been arranged for. 

you take delivery

Once you have taken delivery of your equipment you complete a delivery note and we then get your agreement activated and Workplace Interiors Co paid.  Of course we are on hand throughout your agreement to answer any questions you may have.

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 the regular monthly repayments a deposit can of course be paid. 

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

This will depend on a number of factors including whether the business is VAT registered, cashflow and how much has been spent on equipment in the financial year. 

Please give us a call to discuss these options in more detail, or ask an accountant.

This depends on many factors including total 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. 

We are happy to provide indicative figures over the phone or by email.  If you prefer, feel free to use the calculator above to give an idea of figures by entering total equipment cost.  Please note that these are based on businesses trading for more than 3 years and are subject to credit approval.  If the business is younger, just give us a call and we will provide you with 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 most suitable facility. 

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

Customers are able to settle their 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 or send us an email.  We are happy to discuss the requirements and provide some finance illustrations in confidence and without obligation.  Alternatively please use the above calculator to obtain an indication of figures. 

finance your project from Workplace Interiors Co

Enter your details below and we will contact you to give you a bespoke illustration and answer any finance questions


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