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
- Terms of 2 to 5 years, depending on trading history
- Option to own at the end of term
- All quotes subject to credit check
Up to 25% off 5+ Reformers until 30 Nov
Flexible Finance Options - Leasing Available
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 a panel of specialist UK 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 2 to 5 years, depending on trading history
The Reformers sit on your balance sheet from the outset
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. Most established studios take this route.
Leasing
Monthly rentals fixed across 2 to 5 years, depending on trading history
VAT spread across payments rather than paid upfront, with lower initial outlay
Purchase, extend or upgrade the equipment at the end of the term
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
-
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.
-
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.
-
3. Choose your route and apply
Your commercial manager prepares a finance quote alongside your equipment quote, collects a few details and submits your application to the right partner. If more information is needed, the partner will be in touch directly. Once approved, your agreement is sent to you to sign.
-
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
— per month
—
—
—
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
To get started we only need a few details. If the credit team needs more, such as accounts, bank statements or a short business plan, we'll let you know. New and pre-opening studios are welcome to apply.
Business Details
Your limited company name, or business name if you're a sole trader, plus your contact details
Trading History
How long you've been trading, as terms differ for businesses trading under 3 years
Amount to Fund
Your equipment total, less any deposit you would like to put down
Depending on your business structure and trading history, a personal or homeowner guarantor may be requested. All quotes are subject to credit check.
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.
FÔLD FAQs
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?
You don't need to. We put your application to the partner best suited to your business. If that isn't the right fit, we can approach another partner on your behalf. Each application may involve a credit search.
We have not opened yet. Can we still apply for finance?
Yes. Our finance partners assess new businesses on their own merits and we work with pre-opening studios routinely. Businesses trading under 3 years can fund over 2 or 3 years. Start the conversation early, as approval timelines are worth building into your opening date.
How much can we fund, and can we pay a deposit?
From £5,000 upwards. There is no upper limit set by us. The amount available depends on the credit decision. A deposit reduces the amount you finance, and established businesses may also be eligible for a low-start option, with reduced payments for the first few months. Ask your commercial manager for a quote.
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 STUDIÔ Reformer as well as the Original FÔLD Reformer?
Yes. Any combination across the range can sit on one agreement, including the TÔWER (for use with the Original FÔLD Reformer).
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?
Our finance partners work with UK-registered businesses. For international commercial orders, speak to Gianna Rinaldi, Head of Global Distribution, who will advise on what is available in your market.