Sometimes phasing an office project is the right call. Other times the project should happen now, and the only question is how much cash you want to commit this quarter. COI works with PEAC Solutions so qualified clients have a third-party financing option when capital is the constraint rather than the project.**
Financing is a tool, not the goal. COI's job is to find the most practical way to get the right project built. Sometimes that means staging the work. Sometimes it means writing a check. Sometimes it means bridging the gap so you can do it all at once and keep your cash working somewhere else.
Every project lands on one of these three. We will tell you which one we think fits, including when that answer is not financing.
The budget and the available cash already cover the project.
One furniture plan, one procurement cycle, one install. This is the simplest way to run a project when nothing is forcing it apart.
Parts of the project genuinely belong in stages.
Phasing is often the right answer, and we will tell you when it is. Splitting the work can protect a construction schedule or let you test a standard before rolling it out.
The project should happen now, and cash is the only thing in the way.
If you are phasing purely to spread the spend, financing through PEAC Solutions may let you complete more of the scope in one coordinated install instead.**
COI exists to make buying office furniture simpler. Capital planning turns out to be part of that more often than people expect.
A client can have the right project, the right furniture package, and a clear reason to move, and still want to keep cash free for payroll, hiring, inventory, technology, or construction. Before we had a financing option, those clients had two choices: delay the project, or cut it into phases that made no operational sense.
So we found a third-party financing partner worth introducing. Not because financing is always right, but because "we can't free up the cash this quarter" should not be the reason a good project sits still.
Extra delivery coordination on every phase
A new installer mobilization each time
Employees disrupted more than once
Repeat procurement cycles and approvals
A longer wait before the office actually works
Phasing that serves the schedule is worth it. Phasing that only serves the calendar on a bank balance is worth pricing against the alternative.
PEAC states that equipment financing terms typically range from 24 to 60 months. That spreads an eligible project investment across roughly two to five years instead of absorbing it all at once.*
A longer term lowers the monthly payment. A shorter term clears the financing sooner. Compare the rate, the payment, the fees, the term, and the total cost of financing before you pick one. Not every applicant is offered every term shown.*
PEAC Solutions is a commercial equipment finance company, a trademark of Marlin Leasing Corporation, NMLS ID #2230619. Here is what has made the process workable for COI clients.
PEAC Solutions is an independent commercial equipment finance company. Office furniture sits alongside computers, software, telecom, copiers, HVAC, VOIP, and A/V in what they finance.
PEAC assigns a single contact through the application rather than passing you around a queue. That has held up on COI projects.
Application-only financing is available for qualifying transactions. Documentation and underwriting requirements vary by applicant, transaction, and program.***
Credit decisions often come back faster than a traditional bank process. Timing still varies by transaction and is set by PEAC, not by COI.***
PEAC Connect lets a customer pay bills and manage their account directly, so account questions do not route through us.
We introduce PEAC as a resource. We do not underwrite, we do not set terms, and we do not make credit decisions.**
The project gets designed first. How you pay for it is a separate decision, made after you can see the real number.
COI develops the furniture scope, the budget, and the install plan. Nothing about this step changes whether you finance or not.
Pay directly, phase the work, or look at financing. We will walk through all three with the real numbers in front of you.
If financing makes sense, you apply directly through PEAC and review the terms they offer. COI is not part of the credit decision.**
Once funding and project approvals are in place, COI proceeds on the written scope and schedule.
Financing is not automatically the right answer. It has a cost. Before you accept an offer, look at the rate, the fees, the term, what the payment does to your cash flow, and what else you would do with the money.
COI introduces PEAC Solutions as a financing resource. Deciding whether that offer is competitive and appropriate for your business is your call, and it should be. We are trying to get the right project built, not sell you debt.
A one-page PDF covering the financing options COI can introduce. Useful if you need to put it in front of a CFO or an owner before the conversation starts.
No. COI is not a lender. Financing is provided by third-party financing partners such as PEAC Solutions, subject to credit approval, documentation requirements, lender terms, program availability, and funding requirements. COI does not make credit decisions or set financing terms.
PEAC states that equipment financing terms typically range from 24 to 60 months, which spreads an eligible project investment across roughly two to five years. The actual term options offered on a transaction are determined by PEAC based on the applicant, the transaction, credit review, underwriting requirements, and current program availability.
Not automatically. Phasing is the better answer when the work genuinely belongs in stages, when construction or occupancy is already staged, or when requirements are still changing. Financing is worth considering when the project should happen now and near-term capital availability is the only reason it would be split up.
That depends on the rate, the fees, the term, and the structure PEAC offers on your transaction. COI does not set or quote those numbers. Compare the offer against paying directly and against phasing before you accept it.
Eligible costs vary by transaction and by financing program. Confirm what can be included for your specific project with PEAC before you plan around it. COI does not represent any particular cost as financeable.****
Send us the project scope. We will put together the furniture plan and the budget first, then talk through paying directly, phasing, or financing. Financing only enters the conversation if the numbers support it.
* Payment terms. PEAC Solutions states that equipment financing terms typically range from 24 to 60 months. Actual term options, payment amounts, rates, and approval are determined by PEAC based on the applicant, the transaction, credit review, underwriting requirements, and current program availability. Not every applicant is offered every term shown.
** Financing availability. Financing is provided by third-party financing partners and is subject to credit approval, documentation requirements, lender terms, program availability, and funding requirements. Commercial Office Interiors is not the lender and does not make credit decisions or set financing terms.
*** Approval amounts and documentation. Approval amounts, documentation requirements, rates, fees, terms, and funding timing vary by applicant, transaction, credit profile, and financing program. Any reference to application-only financing applies only to qualifying transactions under current lender guidelines.
**** Project cost eligibility. The costs eligible for financing vary by transaction and financing program. Furniture, freight, delivery, installation, design, taxes, and other project-related costs should not be assumed financeable unless confirmed for a specific transaction.
Clients are responsible for reviewing the rate, fees, payment structure, term, cash-flow impact, and alternatives, and for determining whether a financing offer is appropriate and competitive for their business. Information provided by COI regarding financing is for general informational purposes only and is not financial, tax, accounting, or legal advice. Consult your own professional advisors as appropriate.