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An office fit out is a substantial investment for any business. With extensive works involved, creating the ideal workspace can seem out of reach for some, while others may still consider it an ambitious or high-risk venture.

This is where office fit out finance comes in. With finance, you can spread the cost of your investment over a set repayment term, meaning your office aspirations could be more achievable than you think.

As you will discover, there are a number of advantages to investing this way, from tax savings to improved cash flow. It’s for these reasons that more companies are paying via finance and realising their office interior design ambitions.

Read on to learn more about why finance can be a game changer for ambitious businesses like yours…

1.Tax Savings

Businesses are often the victims of their own success when it comes to tax. For successful private companies, the more profit they make the more corporation tax they pay. The same applies for sole traders, who are hit with income tax increases in accordance with their profit margins.

The good thing about office fit out finance is that all the repayments (both the capital and the interest) are 100% tax deductible. This can be a major plus for many companies (especially those that are cash rich), as they are able to keep more money in the business and distribute it in areas that maximise profitability.

2. Retain Capital in Your Business

When carrying out a fit out, your new workplace assets (e.g., office furniture and tech) should help to grow your business. While they do improve workflow and productivity, these elements invariably need replacing at some point.

As such, by investing upfront and in full, you’re essentially locking your capital into depreciating assets. That’s why many companies spread the cost of their fit out or refurbishment in line with the return on investment over time.

Indeed, with finance, you can pay for the office assets over an extended period, rather than in one lump sum. This frees up cash to be deployed in areas of the business that garner greater and faster returns, such as staff, sales, or marketing campaigns.

Related content: 7 Office Design Ideas to Maximise ROI

3. Accelerate Growth Plans

By financing the project, you can make an investment decision based on your needs rather than budget limitations. Remember, office fit out finance allows repayments over an extended term, so you can invest in the project even if you don’t have readily available cash.

This means you can have the best of both worlds: a new office that boosts productivity and cash reserves available to deploy in places that generate strong returns. What’s more, without the need for a large down payment, you can potentially take on a more ambitious project that might be outside your reach with traditional financing methods.

Related content: Expert Advice on Planning an Office Fit Out

4. Reduced Risk

When investing in an office fit out, it’s important to weigh up the risk involved. For example, if you are thinking about paying one lump sum in full, you need to consider how this will affect cash flow. If your cash flow is likely to be stretched, then this can put great strain on the business and those who work there.

In contrast, finance represents a more calculated risk, as it allows you to preserve your working capital and see ROI in line with the spending spread across the payment term. Additionally, the interest rate is fixed, meaning you won’t face large payment spikes that drain your financial resources.

5. 100% Financing Available

Carrying out an office fit out is a major undertaking. From creating an interior design scheme to conducting the construction work to sourcing the workplace furniture, there’s a lot involved in a transformation.

This begs the question, what aspects of the interior fit out project qualify for finance? The answer: all of them! With fit out financing, you can combine all your project costs, including fees, design, labour, and delivery charges in one low, fixed monthly or quarterly payment, something that cannot be achieved if you utilise cash where full relief is limited to qualifying assets.

6. Fixed Costs to Help You Budget

With office fit out finance, your payments are affordable and fixed for the duration of the agreement. There are no hidden surprises or hikes should interest rates rise in the future.

The benefit of this is better cost control. With equal monthly payments, it’s easier to factor the cost into your overall business budget. This makes for more accurate costing throughout the project and across the payment term, giving you peace of mind when investing.

Just remember, financial firms should be transparent with you on this. You don’t want to be hit with an unexpected interest rate hike due to something written in small print, so be diligent when seeking options.

6 Benefits of Office Fit Out Finance: The Final Takeaway

Ultimately, financing allows you to achieve your office design aspirations without sacrificing financial stability. By spreading the cost of your investment, you don’t have to compromise on quality or scale back on workplace elements that will make a positive difference to your team.

Indeed, with finance, there is nothing stopping you unlocking the full potential of your workspace and business. When used in accordance with an efficient office fit out plan, you can forge a path to success and launch the business into a new era of growth.

Meet Rap Interiors’ Finance Partner: Bluestone

“At Bluestone we are committed to your success, whether you’re a sole trader, running an SME or seeking finance for a multinational corporation. We are an independent, award-winning team of finance professionals with more than 25 years of industry expertise and experience, and we take pride in our ethical and consultative approach when securing finance to unlock your organisation’s potential.”

• Access to the UK’s largest funding panel
• Lenders for all project types & sizes
• Dedicated account manager & internal support team
• FCA accredited
• Providing award-winning service & support for over 25 years
• Personalised service and consultative approach
• Apply online via the Bluestone Portal

The Bluestone Portal

Securing the finance that you need to move forward does not need to be a complex or lengthy process. Whether you are looking for an instant (no-obligation) quote or want to submit a finance application, Bluestone’s innovative online system, the Bluestone Portal , makes the task simple and quick.

Visit Bluestone’s website for more information:

Bluestone finance provider. Bluestone finance provider.

What Bluestone Says About Rap Interiors

It’s always a pleasure working with Rap Interiors and being able to support them and their clients on many projects. Rap’s consultative approach means they discuss all aspects of a project with their clients, including how it will be paid for. As fit outs and refurbishments are very different to singular asset purchases, they take the time to inform clients of an alternative approach to paying with cash – this allows them to save money and maintain cash reserves for deployment elsewhere, for example where they can derive a financial return. It’s a holistic approach that sets them apart from their competition. I look forward to continuing working with Rap.”

Paul Sperry, Regional Account Manager, Bluestone.

Written by Chris Sparham

Need an Experienced Office Fit Out Company?

If this article has inspired you to carry out an office fit out or refurbishment, then we’d love to be part of your journey. At Rap Interiors, we’ve been transforming offices for 30+ years, helping companies across London and the UK to achieve their growth objectives and gain a competitive edge.

To book a consultation, please call our friendly client care team on 0333 600 1234 or fill out the enquiry form below.