Finance Your Studio Fit-Out
Two ways to fund your Reformers, with fixed monthly payments and no compromise on the space you open with.
- Finance from £5,000
- Repay over 24 to 60 months
- Option to own at the end of term
Equipment is the largest single line in a studio fit-out
It is also the only one that earns anything back. Deposits, flooring, changing rooms, software and the first quiet months all pull on the same money, and equipment is usually the first thing to get squeezed.
Funding it properly means opening at the capacity the room can hold, not the capacity the budget allowed for. That difference shows up in the timetable every week afterwards.
We work with two established finance partners, so you have a choice of structure rather than one route to take.
Two ways to fund your Reformers
Most studios fund rather than buy outright, usually to keep cash available for the rest of the fit-out. Around three in four of our commercial orders are placed on a finance or lease agreement.
Finance Agreement
Monthly payments fixed across 24 to 60 months
The Reformers are yours from the outset and appear on your balance sheet
Ownership transfers to you once the final payment is made
Suits you if you know you are keeping the equipment long term and want the asset on your books. Finance agreement with Johnson Reed. Most established studios take this route.
Leasing
Monthly rentals fixed across 24 to 60 months
VAT spread across payments rather than paid upfront, with lower initial outlay
Purchase, extend or upgrade the equipment at the end of the term
Our trusted partners have been financing UK businesses since 1990 and work with over 200,000 customers
Suits you if you're opening your first studio, want to protect cash flow in the early months, or prefer the flexibility to upgrade as your business grows rather than commit to ownership on day one.
How it works
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1. Plan your studio
Choose your Reformers, your finishes and the quantity the room holds. Your commercial manager will map spacing and capacity against your floor plan, whether that is in the showroom or over a call.
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2. Receive your quote
A bespoke quote built around your layout and your volume, with volume pricing applied, sent by email within 1 working day.
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3. Choose your route and apply
We introduce you to Johnson Reed or Shire Leasing depending on the structure you choose. They handle your application and the credit decision direct with you. Decisions are typically returned within 2 working days.
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4. Delivery and installation
Once your agreement is in place and your order has passed our quality checks, we confirm your delivery window and your two-person delivery team will be assigned. No heavy lifting at your end. Full installation available at a small cost.
Why studios finance rather than buy outright
Keep your cash close
Your capital stays available for the things finance won't cover. Hires, marketing, deposits, and room to absorb a slower first quarter.
Open at full capacity
No half-filled studio, no downgrade, no plan to add the rest later. Fit the room out properly on day one and let the timetable pay for it.
Predictable from the start
Fixed monthly payments across an agreed term, so the number in your forecast is the number you pay.
Tax Treatment
Both routes can work in your favour against profits – but the treatment differs, and on a full fit-out the difference adds up. It's worth a conversation with your accountant before deciding.
Spread the cost
Set the room you are fitting and see an illustrative monthly figure. Finance is arranged through a third party and the number you sign comes from a direct quote, not from here.
Add to the package
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Reclaimable
Contact our team for the best deal
The calculator gives an illustrative figure. One of our sales team will be on hand to price your actual space, including volume and part exchange options.
Talk to the commercial teamFigures are illustrative. Finance is subject to status and provided by a third party. Written terms on request.
What you need to apply
New and pre-opening studios are approved regularly. A short trading history does not rule you out, and it is worth having the conversation before you assume it does.
Company Registration Details
Or your details as a sole trader or partnership
Recent Accounts
Or bank statements covering the last 3 months
Business Summary
For newly formed businesses, a short summary of your studio plan and projected timetable
Meet the commercial team
Planning a commercial fit-out? Chat to us below.
Need help with an order or your Reformer? Email hello@foldreformer.com for the fastest answer.
FOLD FAQ's
Which option is cheaper?
It depends on the term, the amount and your credit position, and the headline monthly figure is rarely the whole comparison once VAT treatment and end-of-term options are taken into account. Your commercial manager will put both in front of you in writing so you can compare properly.
Can we apply to both fund routes?
Yes. If it is not obvious which suits you, we can introduce you to both and you can decide once you have seen the terms. Bear in mind that each application involves a credit search.
We have not opened yet. Can we still apply for finance?
Yes. Both partners assess new businesses on their own merits and we work with pre-opening studios routinely. Start the conversation early, as approval timelines are worth building into your opening date.
How much can we fund?
From £5,000 upwards. There is no upper limit set by us. The amount available depends on the credit decision.
Can we add Reformers later?
Yes. Many studios open with an initial order and expand as the timetable fills. Volume pricing is reviewed across your account, so speak to your commercial manager before placing a second order.
Can we fund the STUDIO Reformer as well as the Original FOLD Reformer?
Yes. Any combination across the range can sit on one agreement, including the TÔWER.
Do we own the equipment at the end?
Under a finance agreement, yes, once the final payment is made. Under a lease it depends on the end-of-term option you take. Your partner will set this out in writing before you sign anything.
Can we fund an order outside the UK?
Both facilities are for UK businesses. For international commercial orders, speak to Gianna Rinaldi, Head of Global Distribution, who will advise on what is available in your market.