Business Furniture

Requirements to qualify for the loan:
  • Make a down payment
  • Personal credit score
  • Up-to-date paperwork

Business Office Furniture

Getting a loan for your business office furniture is easy. Gather all your invoices, quotes or buyers’ order so we can tally the amount to finance to better determent your payment inclusive of sales tax or delivery and installation.

Whether yours is a startup, a growing business or a large enterprise, you need furniture not only to support your team but also to host your clients.

Office furniture can cosist of many things from printer to conference table to Monitors, to cubicle and many. We’ll take care of what we can finance as long as it’s part or essential to your business we can finance it. You gather all the total cost we’ll take care of the rest.

We provide you an equipment line of credit, payment with all the cost associated with your furniture equipment and installation along with monthly terms for up to 60 months even on used furniture as long as it’s coming from a vendor.

Any floor plan expansion and every new hire mean that you have to purchase more office furniture to support the growth. But what if you don’t have enough money to purchase the needed furniture? Well, there is a way out for every difficult situation. In this case, taking a business furniture loan is one of the best solutions.

Moving to a new location can help you save on build-out if you utilized equipment loan for all your office furniture needs.

When you take a furniture loan, you will have the items your company needs without having to pay for it right away.

When you move to a new location we can fully provide full funding suite including sign, furniture, desks, chairs and tables.

Equipment loan provides you with flexibility to pay for the items in manageable installments. In simpler terms, you should not allow a financial roadblock to stand between your business and success while allowing you to conserve cash to be able to deploy for a much more profitable way.
Call us to get your office furniture equipment loan pre-approval 619-695-1244!

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Before taking business furniture loan

Securing a loan has become as easy as filling a loan application form and waiting for just a few minutes, hours or days to have the cash deposited in your account. Furthermore, there are very many financial institutions out there ready to grant loans. Not all of them have similar terms and conditions. To ensure that you secure the best deal, you should consider the following:

Interest Rate

Before you apply for business furniture loan, you should consider the interest rate for such loan. Seek to know how the lending institution calculates its interest rate. Consider the two methods of calculating interest rate – flat rate method and reducing balance method.

Interest Rate

The flat rate method means that the interest rate remains the same from the beginning to the end of the loan payment period. On the other hand, reducing balance method means that the interest rate will be reduced as you pay off the loan. From these explanations, it is clear that the loan will be expensive if it is calculated on the flat rate method.

Repayment Period

When calculating loan interest rates, lenders usually consider several factors such as risks and inflation. Therefore, the longer you take to repay your loan, the more expensive it is.

Repayment Period

The best thing to do is to repay a loan within the shortest repayment period.

Early Repayment Charges

If you wish to repay your business furniture loan months before its expiry date, the loan will be expensive because many lenders charge a fee for early repayment. The charges usually vary from one lender to another.

Early Repayment Charges

Seek for this information and know how much they will charge you if you wish to repay your loan earlier.

Requirements to qualify for the loan

For you to qualify for business furniture loan, you must meet the following conditions:

Make a down payment

A lender will be more willing to give you a loan if you are able to put a certain amount of cash toward the purchase of business furniture. Otherwise, most lenders will unlikely grant you a loan because nothing will convince them that you have the ability to pay off.

Most lenders will require you to make a down payment of at least 10-20 percent but this largely depends on the amount you want to borrow, the payment period, your credit score and the value of collateral you are offering. Lenders prefer that you use cash from your savings to make down payment.

However, there are $0 down payment loans. If you are applying for such, then you will not have to put down any upfront payment.

Personal credit score

You are the face of your business and lenders use personal and business credit score to determine how creditworthy you are. They will be looking at your current debt-to-income ratio, debt-to-credit ratio and your credit history.

Lenders also use the experience they have had with borrowers with the same history as yours to determine your creditworthiness. Essentially, the credit score is the number that describes how likely you will be able to repay a business furniture loan.

A good credit score should be above 680. Otherwise, it would be very hard for you to secure a loan from any bank. Even non-bank lenders need to be assured they will get their money back.

Up-to-date paperwork

For you to qualify for a business furniture loan, you must be able to present the necessary up-to-date paperwork, including your income tax returns for the last few years and financial statements for the last 6 months.

Our small business financing experts are available to guide you through the funding Process.


At LCG, we fuse technology and the human touch to help lower search costs for borrowers and lenders while delivering better speed and customer service. LCG connects borrowers to a nationwide network of banks and lenders. Our team of dedicated funding specialists help borrowers get the right financing product and work quickly to help you secure the capital your business needs.
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