Finance Information August 18, 2023

Finance Information

Split The Cost With Monthly Payments

At HCF we can offer you the latest office and restaurant furniture and seating via an affordable Hire Purchase or lease-to-buy agreement.

This type of purchasing is an ideal solution for all sizes of businesses that are keen to purchase equipment but want to spread the payments over time. What’s more, you gain full ownership of the assets upon the final payment.

Other benefits of paying monthly include:

  • Spread your equipment costs over 3 to 5 years.
  • Recognise the benefits of using your equipment now without the upfront costs of an outright purchase.
  • Conserve cash and use it to grow your business.
  • Every payment made on a rental is 100% tax allowable and VAT can be reclaimed.
  • Credit decisions and approved pricing can be issued on average within 4 hours.

We’ve teamed up with our Finance Partner, Reality Finance to bring you this solution.

Choose a monthly option straight from your basket

We’ve plugged a monthly payment option into our website so you can view the monthly rates over 3, 4 or 5 years. Just follow the steps from your shopping cart to get this flexible finance option.


About Reality Finance

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

Reality Finance are proud to help diverse organisations — from start-ups, SMEs and corporates to public sector agencies in almost every sector — obtain funding for everything from office equipment, IT and refurbishments to machinery, vehicles and more.


Why Reality Finance?

With their extensive banking & underwriting expertise plus their hands on experience in multiple sectors, Reality will listen to your goals and identify a solution that’s tailored to your business.

Reality Finance can often fund what others cannot. They are a principal lender in their own right plus they have an extensive network of funding lines including 50+ banks, credit houses, peer to peer platforms & private backers.   Reality Finance offer quick turnaround on finance decisions and aim to give decisions within 24hrs.

Please contact Neil Whitear at Reality Finance for further information and pricing illustrations:

Tel: 01483 413854 or email