With expert guidance, office furniture financing can provide an essential, versatile, and cost-effective solution.
Market-Leading Rates
We provide access to market-leading rates for every client, thanks to our relationships with business finance lenders across the market.
Multi-Award-Winning Team
Our team of business finance advisers have years of experience and are qualified to the highest level. We're proud to have numerous customer service awards to our name.
Fully Independent
As an independent brokerage, we focus on your best interests when comparing finance: from costs and terms to speed of service.
To book a free, no-obligation call with an adviser to discuss your options, contact us today.
Our dedicated business finance team have deep industry knowledge and years of experience.
Jonathan Moffatt
Head of Business Finance
Ben Francis
Finance Executive
James Ellacott
Commercial Finance Broker
How We Work
1. Get a Customised Quote
Our business finance brokers will get an understanding of your business and your requirements, look at your financial forecasts and accounts, and provide a sense-check on what product(s) will best fit your needs, as well as how much you could borrow, and what the costs and terms could look like.
2. Compare Options
When you’re happy with the proposed solution, we’ll go away and compare options across the market. We’ll often present a range of choices ranging from lowest cost to most flexible, and we’ll talk you through the pros and cons of each if it’s a close decision.
3. Submit Your Application
If you’re happy with the terms we can source, we’ll handle the paperwork and submit your application for you. We’ll handle any issues and questions that may arise from the lender, and we’ll keep chasing your application to ensure funds are released as quickly as possible.
4. Receive Funds
You receive your finance– success! And we’ll always be here for any ongoing questions or support you require during your loan term.
Read some of our latest business finance case studies below.
Commercial Mortgage Restructuring for Healthcare Business
Capital Raised £2m
London
The Scenario
Our client, a thriving healthcare business with multiple sites across the UK, approached us seeking a £400,000 commercial mortgage to purchase their Bristol office, which they were currently leasing. They already owned properties in London and Birmingham.
Initially, they had received high-interest rate quotes due to the relatively small loan size, and approached us for a bespoke comparison of their options.
However, after initial dicussions, our team recognised that this presented an opportunity to review and optimise their overall property finance strategy.
The Solution
After a comprehensive analysis of their property portfolio and existing debt, we proposed a strategic restructuring of their commercial mortgage finance:
Consolidate all existing debt into a single commercial mortgage, secured against the London property, which had the highest value.
Release equity from the London property to purchase the Bristol office outright.
And also clear their existing charge on the Birmingham office.
This approach would result in:
Two unencumbered assets (Birmingham and Bristol offices)
A single commercial mortgage secured against the London property
A lower overall loan-to-value ratio thanks to the high value of the London property, making them eligible for lower interest rates
The final terms were:
Total loan amount: £2 million
Term: 15 years
Type: Owner-occupied commercial mortgage (as the company operates from the property). Note: owner-occupied commercial mortgages generally have more lenient loan-to-value requirements than standard commercial mortgages.
We also knew our client’s requirement was attractive to lenders, thanks to the large loan size and relatively low loan-to-value, so we were able to pitch the best offers from each lender against each other.
The entire refinancing marked close to a 2.5% reduction in the interest rate they’d be paying on their debts over the 15-year term; a saving that itself would cover the entire monetary cost of purchasing the Bristol office.
By taking a holistic view of our client's property finance needs, rather than simply fulfilling their initial request, we were able to deliver a solution that not only met their immediate needs but also:
Simplified their debt structure
Reduced their overall interest payments
Freed up capital for future investments
Strengthened their balance sheet with two unencumbered properties
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Invoice Finance Solution for Haulage Firm
Capital Raised £800k
Essex
The Scenario
Our client, a thriving haulage business based in Essex, approached us seeking £200k in working capital finance.
Initially, they were unsure about the best financing option for their needs – from asset finance to an unsecured business loan to refinancing their commercial property – so, they approached us for advice.
Their outstanding invoices, under standard payment terms, wouldn't be converted to cash for at least 90 days. So, the debtor book presented an ideal scenario for invoice finance, a solution that could potentially unlock more capital than the client initially sought and with a fast turnaround.
The Solution
This approach would allow them to release up to 90% of their sales ledger value, providing far more than the £200k they initially requested.
To ensure we secured the best possible terms:
We approached multiple lenders.
Within the same day, we received term sheets from 9 high street lenders, providing a range of competitive options.
We compared these offers considering factors such as advance rates, fees, and flexibility.
We then presented and discussed these options with our client, helping them understand the pros and cons of each offer.
Based on our recommendations and the client's preferences, we secured an excellent invoice finance facility:
Credit limit: £1 million
Initial funds released: £800k on day one
Competitive pricing: 2% over base rate, reflecting invoice finance as one of the most cost-effective funding solutions
The funds were earmarked for various aspects of the haulage firm's operations, including:
Fuel costs
Vehicle maintenance and repairs
Driver wages and training
Insurance premiums
Upgrading fleet management software
Expansion of warehouse facilities
This case study highlights the importance of expert financial advice in identifying the most suitable funding solutions.
Our client was able to unlock significant working capital, supporting their current operations and laying the groundwork for future growth in the haulage industry.
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Asset Finance Loan for Pharmaceutical Business
Capital Raised £13m
London
The Scenario
A large pharmaceutical corporation approached us seeking financing options for a major logistics expansion project.
They needed to purchase robotics equipment, conveyor belts, and dedicated software to enhance their operations, requiring a total of £13m in funding.
The company had already received quotes for traditional unsecured business loans through their existing relationships, but wanted to explore the possibility of more cost-effective alternatives.
The Solution
After carefully analysing the client's needs and financial situation, we advised on and secured approval for a £13 million asset finance credit line.
Key features included:
Secured Loan: The loan was secured against the equipment being purchased, allowing for much more favorable terms.
Significant Cost Savings: Because of this, we secured an interest rate 2 percentage points below the quote they had received for an unsecured loan (resulting in very significant savings on £13 million).
Flexible Drawdown: The credit line allows for multiple drawdowns at different times throughout the project, with each hire purchase only crystallising at the point of drawdown.
Interest Efficiency: The client only pays interest on the amount drawn down at each stage, rather than on the full loan amount from day one.
Repayment Flexibility: Repayments are also only made on the amounts drawn down, improving business cash flow management.
Even though the business could have likely funded the equipment with their existing cash, they chose to finance the project for a number of reasons:
By opting for asset finance, the company preserves cash for other business expenses rather than tying it up in assets.
The interest paid on the business loan is tax-deductible and hits the profit and loss sheet, so can ultimately be offset against their corporation tax liability.
This case demonstrates our ability to provide innovative financial solutions for large corporations, leveraging our expertise in asset finance to achieve substantial cost savings and enhanced flexibility compared to traditional lending options.
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Get the funding your business needs to reach its full potential. We’ll guide you through the process and take care of the heavy lifting.
Purchasing new office equipment using company cash can put a huge strain on cash flow. Leasing is effectively a rental agreement where a lessee can use and operate equipment or machinery under a lease agreement from the owner (lessor) in return for regular payments.
Depending on the type of lease agreement at the end of the term, the lessee can continue making payments to carry on using the equipment, get an equipment upgrade to benefit from improved technologies or return the equipment back to the owner (lessor).
Operating leases - Usually taken out for a short or medium-term period. Allows the use of an asset but does not convey ownership rights and as such the lessor is not responsible for maintenance. The asset will also not appear on the lessee's balance sheet where rental payments can be offset against profits.
Finance leases - Often referred to as "Capital Leases" where the lease is taken out typically for the asset's lifetime by the lessee. The lessee will make rental repayments over the rental period equivalent to the asset value plus interest. At the end of the term, the lessee can continue using the asset usually for a lower rental repayment, sell the asset, get a percentage of the sales proceeds, and return the asset to the owner. With a finance lease, VAT can be spread over the repayment term.
Hire Purchase:
With a hire purchase, you can spread the cost of the asset you are buying over time. You own the asset at the term end and you are responsible for maintenance and insurance. Typically a hire purchase agreement will require an initial down payment followed by a set number of repayments of capital plus interest over a fixed term. Typically the type of assets purchased under a hire purchase agreement include business vehicles such as vans and lorries, but this can also include office equipment such as desks and other furniture.
Asset Refinancing
If your business owns assets, then it may be possible to unlock value to release cash. Typically there are two ways to raise finance in this way. One way is to use the asset as a security for a loan. The second way often referred to as asset-based lending is where you can sell an asset to a specialist lender for an agreed amount. Your business can then lease the asset back from the lender based on an agreed capital plus interest repayment schedule.
Pros & Cons of Asset Financing
Pros:
A great way of reducing the upfront cost of purchasing high-ticket value items
With fixed repayments, you can budget effectively
With this type of finance the asset you are buying acts as the security
The provider normally covers maintenance and insurance costs
It can be more cost-effective than bank loans or an overdraft facility
Some providers will give you the option to settle the finance early, should you wish
Cons:
As with most debt, there are implications if you don't make repayments on time. The asset could be reclaimed which could have a serious impact on your business.
Certain types of damage to the asset may not be covered by insurance and will need to be covered by you (your business).
You can find the most common questions asked about business loans below. If you have a question that isn't answered here, please email us at commercial@cliftonpf.co.uk
Since business loans are used across practically all industries, they're useful for anyone. In particular, they're most commonly used by small or medium businesses. For smaller businesses, the loan can be used to cover startup costs, including staff hiring and stocking inventory.
For medium or larger businesses, a business loan is useful for acquiring machinery and equipment used to grow and elevate the business.
The uses for a business loan, however, are wide and flexible, and can be used in a variety of ways to grow and enhance your business.
Business loans offer an effective solution for businesses short on capital, but there are several risks involved with receiving loans. The primary risk of a business loan is its financial risk. Should you receive an offer from a lender that lacks flexibility, has a particularly high interest rate or has other factors that make it difficult to repay the loan, there is a risk of an impact on your credit score, loss of secured property, or fines.
Businesses use finance to pay for a variety of products, properties, and more. As a business, finance is commonly used to start up businesses, and cover upfront costs, including staff payroll, equipment and inventory stock.
Business finance is also used for expansion: if you're looking to improve the speed, efficiency, or capabilities of your business, and it's a fantastic way of securing funding to support growth by covering expensive equipment costs.
Business finance involves the direct involvement of brokers in organising financial transactions, business finance brokers liaise with clients and lenders to secure the best coverage of a requested loan amount, as well as the most competitive interest rate.
Accountants, however, are solely responsible for the documents and reporting of the transactions.
When it comes to business finance, a business loan is perhaps the most standard method of acquiring capital for your business. These traditional loans are highly flexible, with a broad range of applications to support the growth and development of your business.
The following is an example of a business loan application that is particularly common:
Scenario:
A construction company is looking to acquire equipment to undertake a large project, but they lack sufficient funds to purchase the equipment outright.
Instead, they consult with Clifton Private Finance, who find the very best market rate business finance deals and organise a £100,000 loan for the construction company.
Process:
After an initial consultation with one of our business finance brokers, the broker reaches out to a wide panel of lenders, offering a range of competitive offers to review. The broker receives an offer for the full amount with a competitive interest rate, allowing the owner to pay the business finance loan without greatly reducing cash flow.
Result:
With the purchase of the new equipment, the construction company can now complete the large project, and once complete, the large profit generated from the project itself is more than enough to cover the cost of the business loan.
Let us do all the hard work of finding the right product and lender for your circumstances. We secure business finance for applications of all types, and we negotiate competitive lending to meet your needs and timescales.
Jonathan Moffatt Head of Business Finance
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