Fit-Out Finance for UK Businesses
Summary: Fit-out finance helps UK companies fund shop, office, restaurant and hospitality refurbishments — covering everything from structural works to fixtures, furniture and technology. Fast Business Loans does not lend money; we match businesses seeking £10,000+ with specialist lenders and brokers so you can compare suitable options quickly. Complete a Free Eligibility Check and we’ll introduce you to providers who understand your sector and project timeline.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Quick highlights:
- Match with fit-out finance specialists for projects from £10,000 upwards
- Funding for building works, FF&E, M&E, IT and compliance upgrades
- Free, no-obligation enquiry — no impact on your credit score to check
Free Eligibility Check — takes under 2 minutes.
Fast Business Loans is an introducer, not a lender. We do not provide regulated financial advice. All finance is subject to status, affordability and lender assessment.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why fit-out finance matters for growing businesses
With commercial rents and customer expectations rising, a well-planned fit-out can maximise revenue per square foot and speed time-to-trade. However, refurbishment costs — from specialist M&E to bespoke joinery and accessible layouts — can quickly strain cashflow. Fit-out finance lets businesses spread the cost so projects can complete on schedule without compromising quality or delaying openings.
Rather than diverting operating cash or delaying planned upgrades, getting the right finance structure helps protect working capital and delivers predictable monthly costs. Fast Business Loans connects you to lenders and brokers who specialise in commercial fit-outs so you can compare realistic options fast. Learn more about fit-out finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Get Your Fit-Out Finance Quote
What can fit-out finance cover?
Interior build and structural works
Carpentry, flooring, partitions, mechanical & electrical upgrades, lighting and ventilation — essential on most shop, restaurant or office projects. Lenders may require detailed contractor quotes and staged drawdown schedules for building works.
Compliance note: Lender terms vary. Always review cost inclusions before committing.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fixtures, furniture and equipment (FF&E)
Seating, shelving, counters, kitchen equipment and display units. Hire purchase and asset finance options are common for FF&E so equipment can be funded over its useful life.
Technology, POS and compliance upgrades
Point-of-sale systems, back-office IT, card terminals, compliant fire and accessibility upgrades. Lenders increasingly consider sustainability upgrades (LED lighting, efficient HVAC) as positive elements in lending cases.
Refurbishments, rebrands and sustainability enhancements
Cosmetic rebrands, acoustic works, insulation or green upgrades. Many lenders will consider a combined package covering both hardworks and sustainability measures if it improves long-term operating costs.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Fit-out finance options we can introduce
Unsecured business loans
Quick to arrange for established companies needing £10,000+ without offering business property as security. Repayments are fixed; terms typically range from 1–5 years depending on the lender.
- Best for: simple refurbishments and FF&E where speed matters
- What lenders look for: trading history, turnover, affordability
Secured commercial loans
Backed against business property or assets. Can provide larger facilities and longer terms, often suitable for major refurbishments or multi-site roll-outs.
- Best for: larger projects where lower repayments over longer terms are needed
- What lenders look for: security value, business plan, repayment cover
Asset and equipment finance
Hire purchase or leasing for FF&E and specialist equipment. Structure allows you to spread cost; ownership transfers according to the contract (hire purchase) or remains with the funder (lease).
- Best for: kitchens, catering equipment, technology and gym machinery
- What lenders look for: asset lifespan, supplier invoices, business credit profile
Rolling credit & revolving facilities
Revolving credit lines can combine fit-out costs with ongoing working capital flexibility — useful when spending is staged or seasonal cashflow variability exists.
- Best for: staged rollouts and multi-phase refurbishments
- What lenders look for: turnover consistency, covenants
Combined fit-out & working capital packages
Blended facilities tailored to cover construction costs and immediate operational needs post-fit-out. These are structured with input from specialist brokers who understand your sector.
Need help comparing options? Get Your Fit-Out Finance Quote
Eligibility snapshot — what lenders & brokers consider
Eligibility varies by provider, but common factors include trading history, turnover, project plans and any requested security. We introduce you to partners who match your project size and sector experience.
| Attribute | Typical requirement | Why it matters |
|---|---|---|
| Trading history | 6–24 months (varies) | Shows trading stability |
| Turnover | Often from ~£100k+ | Assesses repayment capacity |
| Project plan | Contractor quotes & timelines | Ensures funds are used appropriately |
| Security | Optional depending on product | Reduces lender risk; affects pricing |
Even recently opened companies can be eligible through specialist brokers who understand high-potential venues and realistic risk structures. To check quickly, complete a Free Eligibility Check.
How Fast Business Loans streamlines fit-out funding
- Quick enquiry: You complete a short online form (under 2 minutes) so we understand the project and funding need.
- Smart matching: We match your business with lenders and brokers specialising in commercial fit-outs and your sector.
- Introductory contact: Recommended partners call or email to review your plan and request documents.
- Compare offers: You receive transparent options and can decide without obligation.
- Get funded: Once you accept an offer, the lender handles their full assessment and funding release so your fit-out can start on schedule.
We handle introductions only; you choose whether to proceed. Your data is shared only with selected partners and used to find the best match for your project.
Get Started — Free Eligibility Check
Fit-out finance costs & repayment considerations
Costs depend on product type, term, security and business risk. Typical repayment terms for fit-out facilities range from 1–7 years. Interest and fees vary by lender — arrangement fees and early repayment charges are common, so always check the full cost breakdown.
Illustrative example (non-binding): A £100,000 unsecured fit-out loan over 5 years could produce monthly repayments within a range dependent on lender pricing and your creditworthiness. Actual offers will vary and should be modelled for your business before committing.
Factors that influence pricing include your credit profile, whether security is provided, and how the fit-out improves projected revenues or cost-savings. If sustainability upgrades reduce operating costs, some lenders may offer more competitive terms.
Want tailored cost scenarios? Get Started
Sector-specific fit-out insights
Retail & boutiques
Focus on display, lighting, circulation and click-and-collect capability. Typical needs: £10k–£200k depending on size. Lenders familiar with retail can assess footfall forecasts and lease terms.
Restaurants & hospitality
Kitchens, extraction, ventilation and front-of-house ambiance are major cost drivers. Specialist lenders expect contractor schedules and any licensing/landlord consents.
Offices & co-working
Hybrid layouts and tech infrastructure (Wi‑Fi, meeting room AV) often justify phased funding and equipment finance for desks, partitions and IT.
Health, wellness & clinics
Regulatory compliance and specialist equipment increase capital needs. Lenders experienced in healthcare will request clear costings and accreditation details.
Fit-out finance checklist — what to prepare
- Basic company details and contact information
- Estimated project cost and contractor quotes
- Planned timescales and milestones
- Recent management accounts and turnover figures
- Lease details and landlord consent (if required)
- Photos, moodboards or supplier brochures
Helpful tip: Gathering contractor quotes, photos and a simple project brief upfront speeds lender decisions.
Upload your details securely — Free Eligibility Check
Fit-out finance FAQs
How quickly can fit-out finance be approved and released?
Timelines vary. Many brokers can give indicative feedback within 24–48 hours once key documents are supplied. Full funding release depends on lender due diligence and may take longer for secured facilities.
Can I get funding before my lease is signed?
Some lenders will consider a conditional offer if you have a signed heads of terms or proven ability to fund the initial works. Specialist brokers can advise on acceptable evidence and staged funding options.
Do lenders finance both construction and FF&E?
Yes — combined packages are common. The structure (loan, asset finance, hire purchase) will depend on the split between building works and equipment and on lender appetite.
Is personal security always required?
Security requirements vary. Some unsecured options avoid specified assets but may require personal guarantees; secured facilities rely on property or other business assets to reduce cost.
Does an enquiry affect my credit score?
No. A Fast Business Loans enquiry is a soft eligibility process and does not impact your credit score. Lenders may carry out credit checks only if you choose to proceed.
How much does Fast Business Loans charge?
Our matching service is free to businesses. We receive revenue only when an introducer agreement with a partner is completed following a successful enquiry — there is no cost for you to submit a request.
Check Your Fit-Out Eligibility in 2 Minutes
Start your fit-out finance journey
Ready to explore how fit-out finance can get your project started on time? Fast Business Loans will connect you with brokers and lenders experienced in commercial fit-outs and your sector. Complete a quick enquiry and we’ll match you with partners who can provide tailored quotes and next steps.
Get Started — Free Eligibility Check | Request a callback
1. What is fit-out finance for UK businesses? Fit-out finance helps UK companies spread the cost of shop, office, restaurant and hospitality refurbishments, covering building works, FF&E, M&E, IT, compliance and sustainability upgrades.
2. How does Fast Business Loans help with fit-out funding? We act as an introducer, matching your Free Eligibility Check to specialist UK lenders and brokers who provide tailored options, with no obligation to proceed.
3. How much can I borrow for a fit-out? Our partners typically consider projects from £10,000 upwards, with larger secured facilities available subject to status and affordability.
4. Will submitting an enquiry affect my credit score? No—our Free Eligibility Check is a soft enquiry and won’t affect your credit score, and formal checks only occur if you choose to proceed with a lender.
5. How quickly can I get fit-out finance approved? You can often receive indicative feedback within 24–48 hours once documents are supplied, while full funding timelines depend on lender due diligence and the chosen product.
6. What finance options are available for a fit-out project? Depending on your needs, lenders may offer unsecured or secured business loans, asset or equipment finance (including hire purchase or leasing), and revolving credit facilities.
7. What are typical repayment terms and costs? Repayment terms usually range from 1–7 years, with rates and fees varying by product, security and risk—always review the full cost breakdown before committing.
8. Can I get funding before my lease is signed? Some lenders will issue conditional offers based on heads of terms or similar evidence, subject to their criteria and broker guidance.
9. What do lenders look for when assessing eligibility? Typical factors include trading history (often 6–24 months), turnover, detailed project plans and quotes, and the availability of security or guarantees, although some specialists can consider newer businesses.
10. Will I need a personal guarantee or security? Requirements vary—unsecured options may require a personal guarantee, while secured facilities rely on property or business assets to reduce pricing.