How to Offer Finance for Garden Offices

Understanding Customer Finance for Garden Offices and Cabins

Customer finance enables your clients to spread the cost of big-ticket items like garden offices or cabins. By becoming a retail finance provider, you make these purchases more accessible, potentially boosting your conversion rates and average order value.

Why Offer Finance to Your Customers?

• Increase Sales: Financing options make high-value products affordable, leading to more purchases.
• Reduce Abandoned Baskets: Customers are less likely to drop off if they don’t have to pay the full amount upfront.
• Boost Reputation: Offering finance positions your business as flexible and customer-focused.
• Stay Competitive: Many garden office suppliers already offer financing.

“Nearly 50% of UK consumers consider finance options an essential part of the buying decision for home and garden projects.”

The Basics: How Customer Finance Works

1. Choose a Retail Finance Broker (like Kandoo)
2. Apply and Undergo FCA Authorisation (if required)
3. Integrate Finance Solutions Online or In-Store
4. Promote Finance as a Payment Option
5. Customers Apply at Checkout
6. If Approved, You Get Paid and the Customer Pays Monthly

Typical Finance Products

Steps to Set Up Finance for Your Garden Office Business

1. Choose Your Finance Broker

• Look for brokers with experience in the garden building sector.
• Ensure they manage compliance and offer support.

2. Apply for FCA Authorisation (if necessary)

• Not all finance brokers require you to be FCA authorised—some operate as credit brokers themselves. Always check.

3. Decide Which Finance Products to Offer

• Consider your typical customer and product price points.
• Think about the length of repayment (12–60 months common).

4. Develop Your Finance Journey

• Online: Add finance calculators and clear info on product pages.
• In-store: Train staff to explain finance options.

5. Promote Finance on Your Website and Marketing Channels

• Highlight monthly payment examples on product cards.
• Use banners: “Buy Now, Pay Monthly!”

Compliance and Responsibilities

⚠️ Important: Finance is a regulated activity in the UK.

• Follow Financial Conduct Authority (FCA) guidelines.
• Provide clear, accurate key information to customers.
• Use only approved finance wording and marketing material from your broker or lender.
• Ensure all staff are trained in proper processes.

Popular Lenders and What to Expect

• Kandoo: Works with multiple lenders for quick, competitive offers.
• Novuna, Ideal4Finance, Duologi: Others in the UK market for home improvement or garden projects.

Typical Lender Criteria

• Minimum/Maximum loan amounts (£500–£50,000 is common)
• Repayment terms (1 to 10 years)
• Credit checks and affordability assessments
• Fast decision, often within minutes

Marketing Tips for Garden Office Retailers

• Use real monthly price examples: "From just £45/month on finance."
• Explain the benefit: “Spread the cost over time—no large upfront payment.”
• Add a finance calculator so customers can model repayments.
• Share customer success stories about buying with finance.

Frequently Asked Questions

Is offering finance complicated?

Only if you try to go it alone. A broker can manage compliance and introduce lenders.

Can my customers pay off their loan early?

Yes—most lenders allow early repayment without penalty.

Does offering finance slow down sales?

No—modern systems mean most decisions are instant, so you don’t lose momentum.

Key Takeaways

• Offering finance boosts accessibility and sales for garden offices or cabins.
• Partner with a reputable finance broker to simplify set-up and compliance.
• Promote monthly repayment options clearly both online and in-person.

"Empower your customers to build their dream garden office—start offering finance today!"

Are you ready to grow your sales? Contact Kandoo to discover how easy it is to get started with retail finance solutions for garden offices and cabins.