Whole project thinking.
Office furniture rarely comes as one item. We look for lenders willing to bundle workstations, seating, storage, freight, and installation into one agreement.
Industries we serve
Commercial Office Furniture Financing
A new lease, a move across town, or a hybrid work plan can turn into a furniture order with dozens of line items: workstations, task chairs, conference tables, phone booths, lockers, and the install crew to put it all together. For a clinic, a charter school, or a coworking operator, that bill often lands right when you're also paying a deposit, tenant improvements, and moving costs. Paying for it all in cash can leave you thin at the exact moment you need a cushion.
MissionFund is a veteran owned commercial finance brokerage based in Loveland, Colorado. We don't lend our own money. We take one application, compare it across 60+ lending sources, and help you spread the cost of your office furniture into predictable payments, from $10K up to $5MM+. Whether you're buying new from a contract furniture dealer or picking up remanufactured systems, we can help you find a fit.
Office Furniture Equipment We Help Finance
From the front desk to the back storage room, here's the furniture we help businesses finance most often.
Desks and Workstations
Executive desks, benching, private office suites, and hot desks for any floor plan.
Cubicles and Panels
New and remanufactured cubicles, panel systems, and powered panels.
Ergonomic Furniture
Task chairs, sit stand desks, monitor arms, and accessories that support your team.
Conference and Training
Conference tables, meeting chairs, flip top training tables, and lecterns.
Collaborative Furniture
Lounge seating, huddle tables, modular soft seating, and mobile whiteboards.
Acoustic and Privacy
Phone booths, meeting pods, acoustic panels, and demountable walls.
Reception and Waiting
Reception desks, guest seating, and waiting room furniture that welcome visitors.
Breakroom and Cafe
Cafe tables and chairs, breakroom casework, and high top seating for your team.
Office Storage
Filing cabinets, lockers, high density mobile shelving, and credenzas.
Technology Furniture
Media walls, AV carts, charging stations, and cable management for modern offices.
How Commercial Office Furniture Financing Works
Apply in minutes.
Fill out one short application. We use a soft credit pull only, so checking your options won't affect your credit score.
We compare 60+ lending sources.
We match your project to lenders that understand furniture deals, including large mixed orders with installation and design fees.
You choose.
We walk you through the offers in clear terms so you can pick the structure and payment that fits your budget and your lease.
Get funded.
Once you sign, the lender typically pays your furniture dealer or vendor directly, and your team can schedule delivery and install.
Applying is free. When you submit the application, you authorize MissionFund to submit it to lenders within our network on your behalf, which keeps things moving when a move in date is fixed.
Why Office Furniture Buyers Choose MissionFund
New, used, and remanufactured options.
Many lenders finance refurbished cubicles and preowned seating, which can stretch your budget a long way.
Built for real move timelines.
Lease signings, construction schedules, and furniture lead times rarely line up neatly. We work to get approvals in place before your dealer needs a deposit.
Soft credit pull only.
You can see what's available without a hard inquiry on your credit.
Welcoming and transparent.
We explain each offer clearly, including what happens at the end of a lease, so you aren't surprised later.
Veteran owned.
We bring a mission first mindset to every deal, big or small.
Financing Programs That Fit Office Furniture Businesses
Program Equipment Finance Agreement (EFA)
You own the furniture from day one and make fixed payments. It works well for durable pieces you plan to keep for a long time, like casegoods and storage.
Program Fair Market Value (FMV) Lease
Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. It suits companies that expect their headcount or floor plan to change.
Program $1 Buyout Lease
Lease payments, then own it for one dollar at the end. It's a popular choice for a full office build out that you want to own outright eventually.
Program SBA Loans
Government backed loans up to $5MM for larger projects. They can make sense when furniture is part of a bigger expansion, an acquisition, or an office purchase.
Startups and Growing Businesses
Opening your first office? Equipment financing is available from day one for startups, so a new medical practice, law firm, or coworking space can furnish its space before opening without waiting to build a track record. Lenders look at the full picture, including your credit and the project itself.
Once you've been in business at least a year, working capital and a business line of credit can help with the costs furniture financing doesn't cover, like moving crews, IT cabling, or signage. For a major expansion or a building purchase, an SBA loan may roll the furniture into a larger package.
What You'll Need to Apply
For requests under $150K, lenders can often approve the deal on the application alone. For larger office projects, financial statements can strengthen your file and support a higher amount.
When it's time to fund, many deals finalize with just your driver's license and the furniture invoice or quote from your dealer. Have your dealer's quote handy when you apply, since it helps lenders understand exactly what they're financing. Questions about the process? Visit our FAQ or book a call.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Can I finance an entire office build out with one agreement?
Often, yes. Many lenders will bundle workstations, seating, conference furniture, storage, freight, and installation into a single agreement, depending on the lender and the size of the project. That gives you one payment instead of a stack of vendor invoices.
Do lenders finance used or remanufactured office furniture?
Many do. Remanufactured cubicles and refurbished seating from an established vendor are common in furniture financing. Lenders may ask for a detailed invoice that describes the condition and brand of each item.
Can a brand new business finance office furniture?
Yes. Equipment financing is available from day one for startups in every industry we serve. Your personal credit and the details of the project carry more weight when the business is new, so a clear quote from your furniture vendor helps.
Will checking my options hurt my credit?
No. MissionFund uses a soft credit pull only, and we never do a hard pull. You can review your financing options without any effect on your credit score.
Is it better to lease or buy office furniture?
It depends on your plans. If you expect to grow, shrink, or relocate, a fair market value lease keeps payments lower and gives you flexibility at the end. If you want to keep the furniture for a long time, an EFA or a $1 buyout lease puts you on a path to ownership.
Can financing cover design and installation fees?
Depending on the lender, yes. Space planning, delivery, receiving, and installation are often included as soft costs within the overall furniture project. We'll look for lenders comfortable with the mix on your quote.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
Prefer to talk first? Book a call