Your Guide to Offering Finance for Garden Fencing

Why Offer Finance for Garden Fencing and Gates?

Providing garden fencing and large gates often entails a sizeable investment for homeowners. By allowing your customers to spread costs via finance options, you can:

• Increase average order values
• Convert hesitant shoppers into buyers
• Improve customer satisfaction and loyalty
• Stand out from competitors

Offering finance isn’t just a perk for customers—it’s a growth tool for your business.

Key Finance Options for Customers

When it comes to garden fencing and gates, these finance types are particularly effective:

Step-by-Step: Setting Up Customer Finance

1. Choose a Reputable Finance Provider
   Partner with FCA-authorised brokers like Kandoo. They’ll handle compliance and connect your customers to a panel of lenders.
2. Apply for Onboarding
   You’ll need to provide business details and set up the finance offering in your shop or website.
3. Train Your Staff
   Make sure your sales team can explain finance options, eligibility, and benefits accurately.
4. Promote Finance Offers
   Highlight finance on marketing materials, your quotes, and in-store displays.

"Finance transforms high-investment fencing projects into manageable monthly payments—a win for your business and your customer."

What Are the Legal Requirements?

• Only FCA-authorised firms or their appointed representatives can legally offer regulated finance.
• All advertising must be clear, fair, and not misleading.
• Customers must undergo credit checks and affordability assessments.

Pro Tip: Avoid any language that suggests finance is guaranteed or that ignores creditworthiness—this can land you in legal hot water.

How Does the Process Work for Customers?

1. Customer chooses their fencing or gate.
2. You introduce finance, providing details and terms.
3. Application forms are completed online or in-store.
4. The customer gets an instant lending decision.
5. On approval, work begins as soon as the agreement is signed.

Benefits for Your Customers

• Break down the cost into affordable monthly payments
• Flexibility to choose deposit and loan period
• Finance often available on both supply and installation

Benefits for Your Business

• Increase conversion rates for expensive projects
• Reduced price negotiation—focus on value, not cost
• Immediate payment from the lender once work is confirmed

Selling Tips: How to Present Finance Effectively

• Feature finance information early in the sales process
• Use examples: E.g. “From just £45 per month, you could upgrade to a premium gate.”
• Be transparent about costs, APR, and terms
• Use printed and digital finance calculators to show monthly costs

"Transparency is your best sales tool: customers value honesty and clear terms."

FAQs: Finance for Fencing and Gates

Q: Can any business offer finance?
A: No, you must be authorised by the Financial Conduct Authority (FCA) or act as an agent for an authorised finance provider like Kandoo.

Q: Who handles the payment?
A: Once finance is approved, the finance provider pays your business directly.

Q: Is the customer protected if something goes wrong?
A: Yes, regulated finance agreements give customers rights and protections under UK law.

Next Steps: Start Offering Finance

• Contact Kandoo to explore partnership opportunities.
• Ensure your business meets compliance requirements.
• Promote finance on your website and materials.
• Train your staff to be confident, clear, and supportive.

Ready to boost your fencing and gate sales?

Contact Kandoo’s team today for expert support and to start offering flexible finance to your customers.