Financing for Office Furniture & Workspace Buildouts
Setting up a new office, expanding your team, or redesigning your workspace? Commerce Capital helps you furnish your entire office with flexible financing — so you can create a professional environment without a massive upfront cost.
Office Furniture & Equipment We Finance
From a single executive suite to a full-floor buildout — if it goes in your workspace, we can finance it.
Why Businesses Choose Us for Office Furniture
Preserve Your Cash for Operations
Furnishing an office is expensive. Instead of draining your reserves on desks and chairs, finance the entire buildout and keep your capital available for payroll, marketing, and growth initiatives that drive revenue.
Same-Day Credit Decisions
Moving into a new space on a tight timeline? We deliver credit decisions the same day — often within hours — so you can place your furniture order without delays.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Bundle Your Entire Buildout
Finance furniture, delivery, installation, AV equipment, and accessories under one agreement with one monthly payment. Perfect for office moves and full-floor buildouts where costs add up fast.
We Work with All Credit Profiles
From established corporations to startups furnishing their first space — we have financing options across the full credit spectrum. If you’ve been turned down elsewhere, talk to us first.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your business, and your project. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a formal quote from your furniture dealer or vendor with the full cost including delivery and installation.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Furnish Your Office
Sign electronically, the vendor gets paid directly, and your furniture ships or gets installed.
Trusted by Growing Businesses
“We were moving to a larger office and needed to furnish 40 workstations plus a full conference room. Commerce Capital financed the entire project — furniture, delivery, and install — with one easy monthly payment.”
Office Furniture Financing FAQ
Yes. We can bundle desks, chairs, cubicles, conference room setups, AV equipment, delivery, and installation into one financed amount with a single monthly payment. This is the most common approach for businesses setting up or relocating offices.
Most of our programs start at $10,000. If your project is smaller than that, it may make more sense to use a business credit card or line of credit. For projects above $10,000, financing typically offers better terms and preserves your revolving credit.
Yes. We finance both new and used furniture. Refurbished and pre-owned office furniture from reputable dealers can be a great value, and we can typically get it financed with competitive terms.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your furniture quote. Larger deals or certain credit situations may require additional documentation.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying office furniture in the year it’s placed in service — even if you finance it. The 2025 deduction limit is $2,500,000. Consult your tax advisor for details specific to your situation.
If you’re in a short-term lease and may relocate, a Fair Market Value (FMV) lease gives you the lowest payments and the flexibility to return or upgrade the furniture when your lease ends. If you plan to take the furniture with you, a $1 buyout or 10% purchase option may be the better fit.
Ready to Furnish Your Office?
Whether you’re outfitting a new headquarters or refreshing your current workspace, Commerce Capital makes office furniture financing fast, easy, and affordable.