Finance for the firms that bill the bills.
Accountancy, legal, consulting and creative agency capex — IT estates, fit-outs, fleet cars and AV. Tidy quarterly billing aligned with VAT cycles.
£22m+
Funded into UK firms
60mo
Typical fit-out term
0%
Deposit on prime kit
Quarterly
Billing available
If it earns its keep, we've probably funded one.
Office fit-outs
Partitioning, joinery, lighting, flooring, signage. Funded as a single project with the IT and AV bundled.
IT estates
Laptops, monitors, docks, servers, networking — funded on a refresh cycle with end-of-term return rights.
Fleet & company cars
Single director cars or multi-vehicle salary-sacrifice fleets. EVs funded with charge-point install bundled.
AV & boardrooms
Teams Rooms, Zoom Rooms, video walls, hybrid meeting kit. Soft-asset specialists fund the install too.
Print & document
MFDs, scanners, document management software, archive storage. Funded as managed-service contracts.
Furniture
Desks, chairs, breakout, acoustic pods, reception. Bundled into fit-out agreements with no soft-asset cap.
How professional services deals usually structure.
Typical ticket
£25k – £250k per project
Range we fund
£10k IT refresh → £500k full fit-out
Term
36 – 60 months
Deposit
0 – 10%
Structure
Lease for fit-out and IT; HP for fleet cars; quarterly billing aligned to VAT cycles.
The usual pain.
Soft costs blow the budget
Fit-out, install, furniture and IT services often hit 60% of a project. Mainstream lenders cap soft assets at 20%. Sector-specialists fund the lot.
Cash is needed for fee-earner hires
Capex shouldn't compete with hiring budget. Spreading fit-out and IT over 5 years frees cash for the people who bill.
Landlord owns the fixtures
Many leases require fit-out to revert to the landlord. We use finance leases that match this — you don't own kit you can't take with you.
How we structure it.
Quarterly billing
Aligns with most professional firms' VAT and partner-draw cycles. Cleaner cash management.
Soft-asset friendly
Furniture, fit-out and AV install funded at 100%, not capped at 20%.
Multi-site rollouts
Framework facilities for firms opening 2–5 offices a year, with pre-approved budgets per site.
Helpful next steps for professional services businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
IT equipment finance
Explore funding options for technology, servers, laptops and office IT estates.
ExploreEquipment finance
Explore finance for office fit-outs, business equipment and mixed asset packages.
ExploreFinance lease
Read about a potential structure for using office and technology assets.
ExploreMonthly-cost calculator
Model indicative payment scenarios before discussing a business-equipment proposal.
ExploreIT refresh case study
See how a technology business approached a structured IT refresh.
ExploreIT equipment guide
Read practical guidance on funding business technology investment.
ExploreQuestions professional services customers ask.
Can finance cover fit-out, IT and furniture in one agreement?
Yes — sector-specialists routinely bundle fit-out, IT, AV and furniture into a single facility. One drawdown, one direct debit, one tax invoice.
What's the right structure for fit-out we don't own?
Finance lease — you pay rentals over the asset's useful life and the kit reverts to the landlord at the end. Avoids the 'paying for something you can't keep' problem of HP.
Are EVs and charge-points fundable as a fleet?
Yes — increasingly common. We can fund the cars, the charge-points and the install in one facility. Tax treatment varies — check with your accountant.
Can we get quarterly billing?
Yes — most lenders will run quarterly or annual billing on professional-services facilities. Worth flagging at quote stage.
Ready to fund the next bit of professional services kit?
Tell us about your asset and business circumstances to discuss suitable funding options. Read our commission disclosure.
Sector hub
Browse the complete AssetFi sector hub to find a more relevant specialist page.