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.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for professional services
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions 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?
Soft search. 24-hour decisions. No broker fees, ever.
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