Finance Information

At HCF Contract Furniture, we can offer you the latest office and restaurant furniture and seating via an affordable hire purchase or lease-to-buy agreement, in partnership with Reality Finance.

This type of purchasing is ideal for businesses that want to invest in new furniture now, but prefer to spread the cost over time and own the assets at the end of the agreement.

Furniture Finance for HCF Customers

Key Benefits of Paying Monthly

Spread your equipment costs over 3 to 5 years.
Use your new furniture now without the upfront cost of an outright purchase.
Conserve cash and keep working capital free to grow your business.
Every payment made on a rental is 100% tax allowable, and VAT can be reclaimed.
Fast decisions – credit approvals and pricing can often be issued within hours.

With hire purchase or lease-to-buy, you gain full ownership of the assets upon the final payment.

How It Works on Our Website

We’ve integrated a monthly payment option into our website so you can instantly see what finance might look like:
- View monthly rates over 3, 4 or 5 years directly from your shopping basket.
- Compare different terms to find a payment level that suits your cashflow.
- Request a finance quote alongside your furniture quotation.
Just follow the steps from your shopping cart to see the finance options available for your order.

About Reality Finance

Reality Finance is one of the UK’s leading independent asset finance companies. Since 2000, they’ve built their business by partnering with vendors like HCF to provide customers with flexible, tailored finance solutions.

They help a wide range of organisations — from start-ups and SMEs to larger corporates and public sector bodies — fund equipment such as:

Office furniture and fit-outs
IT and technology
Refurbishments and machinery
Vehicles and other assets

Their goal is to make it easier for businesses to acquire the equipment they need, without heavy upfront costs.

Why Reality Finance?

Reality Finance combine banking and underwriting expertise with practical, sector-based experience. They will:

Listen to your business goals and budget
Recommend a finance structure tailored to your situation
Work quickly to provide decisions and pricing

They are:

A principal lender in their own right
Backed by an extensive network of 50+ banks, credit houses, peer-to-peer platforms and private backers

This breadth of funding means Reality Finance can often fund what others cannot, and they aim to give decisions within 24 hours wherever possible.

Speak to Reality Finance

For more information on finance options and tailored pricing illustrations, please contact:

Neil Whitear – Reality Finance
Tel: 01483 413854
Email: neil@realityfinance.com
Website: www.realityfinance.com

Neil can talk you through:

Hire purchase vs lease-to-buy
Term lengths and monthly payment options
How finance can work for your specific HCF order or project

Ready to Explore Monthly Payment Options?

If you’re planning a new fit-out or refurbishment and would like to spread the cost of your furniture, we can help you cost the project and Reality Finance can structure affordable monthly payments over 3–5 years.

Use the monthly option in your basket or get in touch to discuss furniture and finance together.