Offer finance for fencing and decking

Why finance fencing and decking now

The UK fencing and decking market is expanding, and customers are looking for smarter ways to pay. Wood fencing alone is projected to reach roughly £788 million by 2030, supported by steady 4.5% annual growth. Picket fencing led recent revenue with over 40% share, while vertical boards are the fastest riser. Wider fencing demand is also moving upward, with the broader UK market expected to grow at more than 6% a year to 2032 as homeowners prioritise privacy, security, and lower-maintenance materials. In gardens across Britain, composite fencing and decking are winning favour for durability, sustainability, and style.

For trades, merchants, and installers, offering finance transforms a one-off quote into an accessible monthly plan. It helps customers choose the fence or deck they actually want - not the one their cash flow limits today. It also smooths out seasonal demand, lowers project abandonment, and can lift average order value as households opt for premium composite boards, noise-reducing panels, or taller privacy solutions. In 2025, eco-friendly options like recycled composites and responsibly sourced timber are in high demand, aligning with net-zero goals and practical upkeep needs.

The backdrop matters. Residential projects drive a significant share of installations, with renovations and privacy needs pushing uptake in suburbs across England, Scotland, Wales, and Northern Ireland. Construction output is forecast to tick higher, supporting stable materials demand despite cost pressures. On the commercial side, growing solar farm investment is increasing need for secure perimeter solutions. When you provide finance at the point of sale, you are meeting today’s market head on - enabling customers to act now and pay in a way that fits their budget.

Understanding APR is not just about percentages - it is about knowing what you will pay in real terms.

A simple, transparent finance offer can be the difference between a postponed plan and a signed installation date. That is where a UK-based retail finance broker like Kandoo can help.

Who should consider this

If you sell, supply, or install fencing or decking in the UK, finance can help you win more projects and serve a broader range of customers. Homeowners planning garden upgrades, landlords improving boundaries for security, and families opting for low-maintenance composite decks all benefit from predictable monthly payments. Merchants and trade suppliers can also use finance to support larger baskets, especially when timber prices or composite upgrades stretch budgets.

For commercial buyers - from small developers to rural businesses - finance can fund perimeter security, acoustic barriers, and access control, including higher-spec mesh systems for remote sites. Whether your clients prioritise sustainability, aesthetics, or longevity, offering finance at checkout or during a site survey makes the decision easier and faster.

Your finance menu

1. Interest-free instalments over short terms

2. Classic interest-bearing fixed-term loans

3. Buy now, pay later with deferred start dates

4. Split funding for staged works and variations

5. Green-focused options for sustainable materials

6. Commercial agreements for perimeter security

Cost, impact, returns, and risks

Eligibility in plain English

Eligibility criteria will depend on the lender, but most UK homeowners aged 18 or over with a UK address and regular income can apply. Lenders typically review credit history, affordability, and debt-to-income to ensure repayments are realistic. For interest-free or promotional terms, stronger credit may be required. Tenants can often apply too, especially for freestanding decking or non-structural fencing upgrades, though permissions may be needed. For commercial projects, company checks and director guarantees may apply.

Installers and merchants offering finance usually need to partner with a regulated provider or work via a broker. Kandoo is a UK-based retail finance broker that can connect you with a panel of lenders and provide compliant journeys, clear disclosures, and training. You will present APRs and total costs transparently, ensure customers see alternative payment methods, and keep records. If you sell sustainable materials - such as composite fencing with recycled content or FSC-certified timber - highlight this in your finance offer to support eco-minded buyers.

From quote to completed garden - the steps

1. Present itemised quote with finance options shown clearly

2. Explain APR, term, and total repayable in pounds

3. Submit a quick application via secure online form

4. Receive instant decision and identity verification prompts

5. Finalise materials, colours, and installation dates

6. Customer signs agreement - lender issues funds to you

7. Complete installation and confirm satisfaction report

8. Provide aftercare, warranties, and support contacts

The trade-offs at a glance

Before you choose a route

Take time to map finance to your product mix. Composites, which blend wood fibres with recycled plastics, suit customers seeking longevity and minimal maintenance; in 2025, greys and earthy browns are especially popular. Wood fencing remains a mainstay, with picket styles often leading revenue, while vertical boards are growing fastest as homeowners prioritise privacy. With residential projects accounting for a sizeable share of installations, clear timelines and dependable lead times matter.

Check your supplier terms, delivery windows, and installation capacity so finance settlements match project milestones. Ensure your team can explain APR simply and quote the total repayable alongside the monthly figure. For commercial clients, consider security needs for solar or rural sites and propose high-strength mesh where theft risks are higher. Above all, keep documentation watertight and aftercare accessible. A transparent process builds trust and repeat business.

Alternatives you can also offer

1. Staged invoices with milestone payments

2. Credit and debit card instalments via payment providers

3. Personal loans arranged independently by the customer

4. Secured homeowner loans for larger landscaping projects

5. Leasing or hire agreements for commercial perimeters

Frequently asked questions

Q: How much can customers typically borrow for fencing or decking? A: Limits vary by lender and credit profile, but many providers support projects from a few hundred pounds up to tens of thousands, covering materials, labour, and accessories.

Q: Are composite fencing and decking worth the premium? A: For many homeowners, yes. Composites are durable, low maintenance, and weather resistant, which can reduce lifetime costs compared with regular staining or replacement of softwood.

Q: Will finance affect installation timelines? A: Usually it speeds them up. Approvals are often instant, and once agreements are signed, funds settle quickly so materials can be ordered and dates confirmed.

Q: What APR should customers expect? A: APRs depend on credit, term, and any merchant subsidy. Some offers are interest free over short terms, while longer terms are interest bearing. Always show total repayable.

Q: Can tenants apply for garden projects? A: Often yes for non-structural works, but they may need permission from the landlord. Lenders will still assess affordability and credit history.

Q: Do eco-friendly options qualify for finance? A: Yes. Many lenders fund sustainable choices like composite fencing, reclaimed timber, or bamboo products, which align with low-maintenance and lower carbon goals.

How Kandoo helps your business grow

Kandoo is a UK-based retail finance broker that connects you with a choice of lenders, giving your customers clear, regulated journeys and fast decisions. We help you present APRs transparently, integrate applications on-site or online, and settle funds quickly so you can install without delay. Add finance to your quotations and turn browsers into booked projects.

Important information

Finance is subject to status, affordability checks, and lender terms. Eligibility, APRs, and limits vary. Fees may apply. Ensure customers understand the total repayable and alternatives to finance. For commercial agreements, additional checks and guarantees may be required. Always provide accurate quotations and timelines before applications.

Next step: Ask us for a demo and sample APR displays so you can start offering finance on your next fencing or decking quote.