Some businesses view moving into a new office space as an opportunity to start fresh with brand new furniture. It makes sense, as new furniture can set a new tone or support a new work process. Others prefer to keep the furniture they acquired at an auction a decade ago. If new furniture is the route you choose, there’s another choice to make: Buying, leasing or financing your furniture acquisition. Here are some factors to consider.


  • Good: If you have the available cash, you will avoid debt.
  • Good: There are immediate tax benefits (depending on circumstances you must discuss with your tax advisor).
  • Bad: Many businesses don’t have the cash on hand to make a big purchase.


  • Good: If structured flexibly, it can help meet temporary needs.
  • Good: It doesn’t tie up capital or create a long-term commitment.
  • Bad: It can become the most expensive option over a course of time.


  • Good: As with other capital investments in equipment, office furniture can be financed through a loan.
  • Good: While financing will include interest expenses, the overall cost will be far less than leasing.
  • Bad: Availability and cost of financing can determine whether or not this is an option.

Every situation is unique: Seek advice.

Every situation is unique. Your overall financial situation must be considered when making any major investment for your business. Seek advice from your accountant, banker or other trusted financial advisor.

Photo: bfi Business Furniture Inc. via Flickr (CC BY-SA 2.0)

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