We realise that often project costs are untimely in relation to cash-flow and have found in the past that financing furniture & fit-out projects can be a very useful option.

We work alongside Gable Asset Finance and Restaurant Leisure Finance who specialise in arranging lease finance for businesses buying furniture, and refurbishing or equipping their working environments. They work in partnership with manufacturers, dealers and contractors to offer bespoke finance & leasing packages to businesses of all sizes across all commercial sectors at the best possible rates.

Finance packages can include ALL aspects of restaurant or leisure sector refurbishment, allowing one easy monthly payment for an entire project. An increasing number of our clients are looking at leasing as a way of financing a restaurant move or refurbishment project.


The main benefits include:

Easier budgeting
Management of cashflow
Flexibility to add to the lease as necessary
Conserves capital and preserves existing borrowing power
Rentals are 100% tax allowable, which means leasing can work out cheaper than paying cash!
Payments come from a revenue budget as opposed to a capital budget
Helps cashflow – No big cash outlay means you keep cash within your business to invest in other revenue-generating projects
Fixed payments for accurate budgeting and forecasting
Get the best solution now by spreading the cost, rather than being restricted by your current capital budget
Match the lease of the fit-out to the lease on your building
Leasing is quick to approve (usually 2 to 3 days) and in most cases is secured only on the assets
Leasing – A Great Way to Finance Your Project

Are you currently planning a refurbishment and fitout project?

Refurbishment and fitout budgets are often under scrutiny and managers are constantly under pressure to deliver amazing results on limited budgets.

If you are currently planning a refurbishment and fitout project and looking at ways of getting the most from your available budget, then you may be interested to know that you can lease your refurbishment project as an alternative to funding it using cash or bank facilities.

Most customers would not think twice about leasing items such as company vehicles or IT equipment, these are well established and trusted methods of finance.  The same principles and benefits however also apply to fitout and refurbishment, but many business owners assume it’s not an option due to the nature of the asset.  Lease finance is an increasingly popular method of finance to help businesses achieve the new design they want rather than being constrained by their existing budgets.

Leasing is a fully tax allowable method of spreading the cost of refurbishing or fitting-out an interior over 3 to 5 years. Unlike any other method of finance such as a bank loan, lease payments are fixed for the payment period allowing you to budget effectively with no unexpected surprises such as interest rate or inflation increases.

Paying upfront for an interiors project can be a significant drain on cash resources and a potential stumbling block in signing off a new office design, but leasing avoids the initial capital outlay and preserves your existing bank credit lines leaving working capital available for future investment into revenue generating plans.

Whether your project is large or small, lease finance is available not just for furniture and interiors, but packages can also encompass all aspects of the business environment including computer hardware and software, telecoms, audio and visual and much more.

Key Benefits of Leasing



Lease rentals are 100% tax allowable which means they can be set against company profit. This makes leasing the most tax efficient method of financing your office project and it often works out even cheaper than paying cash!



Leasing means you preserve your existing bank credit lines without compromising future working capital.


By spreading the cost over 2, 3, 4 or 5 years you can acquire the solution that fully meets your needs now rather than being restricted by your current capital budget. You can make repayments monthly, quarterly or annually to suit your business requirements. 


In most cases they can arrange a lease facility with no deposit having minimal impact on company cash flow.


They will tailor all leases to suit your individual requirements taking into account your personal circumstances such as leases on buildings and break clauses.


All costs of your furniture or refit in one lease agreement. In addition to furniture and interiors, their lease packages can also encompass all aspects of the environment including computer hardware and software, telecoms, audio visual equipment, photocopiers and faxes.

HCF Contract Furniture work in partnership with Gable Asset Finance and Restaurant Leisure Finance, the UK’s market leading specialist in arranging finance packages for business, so if you are interested in finding out more about leasing for your project, please contact one of our team or alternatively get in touch with Gable Asset Finance or  Restaurant Leisure Finance direct on 0208 371 5973 or 07956 156 354 or check out their website Gable Asset Finance and Restaurant Leisure Finance