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: Flexible Funding for UK Business Refurbishments
Summary: If you’re planning a shop, café, restaurant or office refit and need funding, fit-out finance can protect cashflow while covering build costs, equipment and compliance work. Fast Business Loans doesn’t lend money — we quickly match UK limited companies, landlords, franchisees and facilities teams with specialist lenders and brokers who can provide quotes for projects from £10,000+. Complete a short enquiry and get matched for a free, no-obligation eligibility check: Get Your Free Eligibility Check.
Facing supplier deposits, opening deadlines or costly compliance upgrades? Financing your fit-out preserves working capital and lets you stage payments while keeping the project on track. Fast Business Loans connects you with brokers and lenders experienced in shop, hospitality and office refurbishments — quickly and at no cost to you. Get Your Fit-Out Finance Options
Fast Business Loans is a credit introducer. We do not provide loans or financial advice. Funding is subject to lender terms, status and affordability checks.
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.
Why Businesses Choose Fit-Out Finance
Fit-out projects often include large up-front costs: strip-out, joinery, kitchens, specialist M&E and safety upgrades. Using a dedicated fit-out finance solution keeps your day-to-day cashflow intact, lets you pay contractors on schedule, and helps meet opening or rebrand deadlines without draining reserves.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Typical reasons businesses choose fit-out finance:
- Preserve working capital for operations and stock
- Pay contractor deposits and staged invoices
- Spread the cost of fixtures, fittings and essential compliance work
- Fund multiple sites or phased roll-outs
Common sectors we support: retail, cafés & restaurants, pubs, hotels, offices, healthcare clinics and light industrial units. Ready to see options matched to your project? Free Eligibility Check in Minutes.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans Supports Your Fit-Out
We make the search for funding faster and less risky. Our simple four-step process is designed to save time and improve your chances of a suitable offer:
- Complete a short enquiry (takes around 2 minutes).
- We match you to brokers and lenders with relevant experience for your sector and project size.
- A matched partner contacts you to discuss options and request any documents needed.
- Compare offers, select the best fit and proceed directly with the provider.
Your enquiry is not an application and does not affect your credit score. We only share your details with providers relevant to your request. Get Matched Now.
Fit-Out Finance Products We Can Help You Access
Unsecured Business Loans for Fit-Outs
Unsecured loans can be a good fit for smaller refits or where owners prefer not to offer security. Typical deal sizes from approximately £10,000 upwards, with terms often 1–7 years. Pros: quicker decisions and no property lien. Cons: higher rates and smaller maximum amounts compared with secured deals. Rates and decisions are set by lenders.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Secured / Asset-Backed Finance
For larger schemes, lenders may accept security against property or other business assets. This can reduce rates and allow higher facilities. Secured finance suits landlords, established companies or projects where long-term repayment flexibility is needed.
Hire Purchase & Leasing for Fixtures
Lease or hire-purchase agreements let you spread the cost of equipment and fit-out elements (kitchen kit, HVAC, lighting). These arrangements preserve capital and can include maintenance options. They’re ideal when the primary cost is physical equipment rather than construction.
Revolving Facilities & Staged Funding
Revolving credit or staged facilities help manage phased payments and cashflow spikes during construction. These arrangements are useful when contractors invoice in stages or when you anticipate seasonal revenue variations after opening.
Note: product availability and terms depend on lender criteria. Get matched to fit-out finance specialists who will explain the options and likely terms for your project.
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 Project Costs You Can Cover
Fit-out finance can be structured to cover a broad mix of costs — both hard and, in many cases, soft costs:
- Architect and design fees
- Demolition/strip-out and waste removal
- Joinery, fixtures and finishes
- Kitchen and catering equipment
- Electrical, plumbing and HVAC works
- Accessibility and compliance upgrades
- Signage, IT and security systems
- Permits, surveys and professional fees (where accepted by lender)
Mini-scenario: an independent café needs a £120,000 refit. Rather than using reserves, the owner opts for a staged facility that pays contractors on certification — preserving working capital for stock and staffing through opening. If you want a tailored quote, Get Quote Now.
Eligibility Snapshot
While criteria vary by lender, here’s a quick checklist that helps speed up the matching process:
- Limited company details and registration information
- Minimum project value typically £10,000+
- Trading history and turnover figures
- Recent management accounts or cashflow forecasts
- Basic project plan and contractor quotes
- Landlord consent or proof of property interest if required
Even new sites or franchise openings can be supported via specialist brokers — complete a short enquiry and we’ll match you to the right partners. Talk to Fit-Out Finance Brokers Today.
What Businesses Ask Us Before Enquiring
Can I finance a phased refurbishment?
Yes. Many lenders support staged drawdowns tied to contractor milestones. Lenders will usually want a clear schedule and costs per phase.
How fast can funding be arranged?
Speed varies: some smaller unsecured deals can be agreed in days, while larger secured facilities take longer. Fast Business Loans speeds the early matching so lenders can respond quickly.
Do I need landlord consent or planning permission before enquiring?
Not always. Lenders will want to know about permissions and consents; where these are pending, specialist brokers can advise on conditional funding and timing.
What documents should I prepare?
Gather company accounts, management accounts, contractor quotes, a project timeline and any existing finance details. This helps providers assess quickly.
Can I compare multiple quotes without impacting credit?
Yes. Your enquiry to Fast Business Loans does not perform lender credit checks. Lenders only carry out checks if you decide to progress an application.
Success Stories & Use Cases
Real examples (anonymised):
- Retail refit: A regional retailer secured a £150,000 facility for a multi-site refit after being matched with a specialist broker — funding approved within 5 working days.
- Restaurant refurbishment: A family-run restaurant used lease finance for kitchen equipment and a short-term loan for fit-out works, keeping cashflow stable during reopening.
- Office refurbishment: A growing tech firm funded a co-working floor refit via a secured facility that allowed longer repayment terms and lower monthly cost.
Start your no-obligation enquiry and see how a matched lender or broker could support your project: Start Your Enquiry.
How to Prepare a Fit-Out Finance Enquiry
Make your enquiry more effective by preparing:
- Project budget and contractor quotes
- Timeline: key milestones and opening date
- Projected turnover and any cashflow forecasts
- Details of any existing finance and security available
- Landlord consent or lease details if applicable
Our matched brokers can help refine your business case before you formally apply. Get Started Free Eligibility Check.
Fit-Out Finance vs. Alternatives
Quick comparison:
- Using reserves: avoids interest but depletes liquidity for operations.
- Credit cards/overdrafts: fast but often expensive for large projects.
- Equity funding: reduces control and can be slow to arrange.
- Specialist fit-out finance: structured around project needs, preserves cash, can offer staged drawdowns and equipment leasing.
Want a tailored recommendation? Get Quote Now.
Transparent, Responsible Matching
Fast Business Loans introduces you to finance partners who can help. We make no promises of approval and encourage clear, fair information so you can make an informed decision. Funding offers are issued by lenders/brokers and remain subject to their checks, terms and affordability assessments.
Next Steps
Ready to explore fit-out finance options for your project? Complete a short enquiry and we’ll match you with specialists who understand your sector and project scale. It’s free and carries no obligation.
Get Your Tailored Fit-Out Finance Quote
Fast Business Loans is an introducer platform. We do not lend money or give regulated financial advice. Any offer you receive will be from a lender or broker and will be subject to their terms and checks.
Frequently Asked Questions
Is Fast Business Loans a lender?
No. We introduce businesses to lenders and brokers — we don’t provide loans or regulated financial advice.
Will enquiring affect my credit score?
No. Submitting an enquiry through our form does not perform a credit check. Lenders may carry out checks only if you proceed with an application.
What project sizes can be funded?
Our partners typically consider projects from around £10,000 upwards, and many can support facilities into the hundreds of thousands or millions depending on security and business profile.
Do I pay Fast Business Loans any fees?
Our matching service is free for business owners. Any fees charged by a broker or lender will be disclosed by them before you agree to proceed.
How many lenders are on your panel?
We work with a wide panel of specialist UK brokers and lenders. We match you only with partners suited to your industry and project to reduce wasted contacts.
– What is fit-out finance and how does it work?
Fit-out finance lets UK businesses spread the cost of shop, office or restaurant refurbishments—covering build, equipment and compliance—through lenders offering unsecured, secured or staged facilities matched to your project.
– Is Fast Business Loans a lender?
No; Fast Business Loans is a free introducer that matches you with specialist UK lenders and brokers and does not lend money or provide financial advice.
– Will submitting an enquiry affect my credit score?
No; the enquiry is not a loan application and won’t affect your credit score, though lenders may run checks if you choose to proceed.
– How much can I borrow for a fit-out?
Our partners typically consider projects from around £10,000 upwards, with larger facilities available depending on security, affordability and lender criteria.
– How quickly can I get a decision or funds?
Many businesses receive a response within hours, with smaller unsecured deals sometimes completing in days and larger secured facilities taking longer.
– What refurbishment costs can be covered?
Funding can cover design fees, strip-out, joinery, M&E (electrical, plumbing, HVAC), kitchen equipment, signage, IT/security and, where accepted by the lender, certain permits and professional fees.
– Who is eligible to enquire?
UK limited companies—including retailers, cafés, restaurants, offices, landlords and franchisees—can enquire, with start-ups and new sites considered by specialist brokers.
– Is the enquiry free and are there any fees?
Yes, the enquiry is free and without obligation, and any broker or lender fees will be disclosed by them before you proceed.
– Do I need landlord consent or planning permission before I enquire?
Not necessarily; you can enquire now and lenders can issue conditional offers subject to required consents.
– What are typical interest rates and repayment terms?
Rates and terms vary by lender and risk, but unsecured loans often run 1–7 years while secured facilities can offer larger amounts and longer repayment options.