Extending the product range is, says CCS Managing Partner, Andy Wallace, an attempt to match new buying trends amongst consumers. "Today's customers are very innovative when improving their homes and are increasingly willing to invest in a much wider range of products. However, consumers are more likely to make these purchases if they can secure advantageous credit deals, such as buy-now-pay later, 0% finance and low rate re-payment terms.

"Retailers are already used to organising customer finance for things like conservatories and kitchens but we are now working with our new and existing clients to extend these facilities to other products, which is not a service regularly offered by other lenders," he added.

Set up in 1998, CCS has carved out a substantial niche for itself in the national home improvement sector, handling an annual credit managed programme in excess of £150million. The company specialises in organising bespoke credit deals and is renowned for its quality service and training.