Summary: If your business needs funding for shop, office or hospitality refurbishment, fit-out finance lets you spread the cost and protect working capital. Fast Business Loans doesn’t lend — we quickly match UK companies (loans from £10,000 upwards) with lenders and brokers who specialise in fit-outs. Complete a short, free enquiry (no obligation, no impact on credit score) and we’ll connect you with the most suitable finance partners. Start your Free Eligibility Check now: Get Started Free Eligibility Check.

Fit-Out Finance: Fast Connections to UK Lenders & Brokers

Refurbishing premises, opening a new site or upgrading hospitality spaces can be costly — but the right finance makes it achievable without draining cash reserves. Fast Business Loans helps UK businesses find fit-out finance quickly by matching you with lenders and brokers who understand your sector. Our service is free, fast and without obligation.

• Suitable for retail, hospitality, offices and specialist commercial premises
• Funding from £10,000 up to several million (subject to lender criteria)
• Free eligibility check and quick matches to lenders and brokers
• We introduce you to finance partners — we are not a lender and do not provide financial advice

Get Your Fit-Out Finance Quote — a short enquiry takes under two minutes.

Why fit-out finance matters

Fit-out projects often involve staged payments, specialist contractors and upfront equipment costs. Without external funding you may need to delay works, use reserves, or compromise on quality. Fit-out finance preserves cashflow, lets you pay contractors on time and spread cost across manageable terms. Typical users include multi-site retailers, new restaurant openings, hotel refurbishments and office relocations.

Fast Business Loans acts as a bridge: tell us what you need, and we’ll connect you to lenders and brokers who can assess your project and provide tailored options. This is an enquiry to match you — not an application. To begin, Start Your Free Eligibility Check.

How fit-out finance works with Fast Business Loans

We simplify the process into four clear steps so you can get quotes without repeating the same information to multiple providers.

1. Quick enquiry

Complete a short online form with basic business details, funding amount and the intended use. It takes under two minutes and does not affect your credit score. Get Started Free Eligibility Check.

2. We match you

We use your details to match you with lenders and brokers in our panel who specialise in fit-outs for your sector and project size.

3. Rapid lender response

Partners contact you directly — often within hours — to discuss terms, provide indicative quotes and request any supporting documents.

4. Choose and proceed

Compare offers, agree terms with your preferred lender or broker, and progress to contract and drawdown. You remain in control; there’s no obligation to accept an offer.

Remember: submitting an enquiry is free and only used to find the right lenders/brokers for your project.

Funding use cases & loan types

Fit-out finance can cover a wide range of costs. Below are typical uses and the finance types commonly available.

Typical fit-out costs funded

• Shopfronts, internal partitions and suspended ceilings
• Kitchen and catering equipment for restaurants and cafés
• Lighting, HVAC, electrical works and IT infrastructure
• Fixtures, fittings, furniture and flooring
• Accessibility upgrades, signage and compliance-related works
• Professional fees, design and planning costs

Finance instruments available

• Unsecured business loans — for smaller projects or when security is limited (from around £10k)
• Secured loans or commercial mortgages — for larger sums or where property can be used as security
• Asset finance & hire purchase — ideal for equipment-intensive fit-outs (kitchens, refrigeration)
• Lease finance — for furniture, IT and plant where ownership is secondary
• VAT funding — to cover VAT payments on refurbishment works
• Bridging finance — short-term cover between payments (use with caution and specialist advice)

Term ranges and amounts depend on lender criteria, industry, trading history and security. To discuss options suited to your project Get Quote Now.

For a detailed overview of specialised fit-out lending options see our pillar guide to fit-out finance.

Eligibility snapshot

Eligibility varies by lender, but typically providers look for the following:

• UK-registered limited companies or LLPs (we do not handle sole trader/professions loans)
• Minimum funding request usually £10,000 and above
• Trading history — many lenders prefer at least 6–12 months trading; specialist start-up solutions exist with business plans and agreements in place
• Turnover and profitability considered against the requested loan amount
• Security preferences — some lenders require personal or business assets as collateral
• Good supply-chain documentation (quotes, contractor agreements, landlord consents for tenant fit-outs)

Credit checks are only performed by lender partners after you consent to proceed; the initial matching enquiry does not affect your credit score. Check Fit-Out Finance Eligibility (Free).

Fit-out finance by industry

Different sectors have distinct funding needs. We match you with partners who understand those nuances.

Retail & e-commerce

Flagship refits, seasonal pop-ups and multi-site rollouts need staged funding and rapid drawdown to hit trading windows.

Hospitality & leisure

Bars, restaurants and hotels require specialist equipment finance and often quicker decisions to meet opening dates or seasonal peaks.

Healthcare & wellness

Clinics and dental surgeries must balance compliance upgrades with minimal downtime — lenders familiar with regulated fit-outs help here.

Corporate & professional services

Office refurbishments, co-working fit-outs and landlord refurb schedules can be phased — tailored financing smooths cashflow.

To submit a sector-specific enquiry, Submit a Fit-Out Enquiry and we’ll match you to the right specialists.

Cost planning & finance tips

Good planning improves the chance of a competitive finance offer:

• Obtain at least two contractor quotes and allocate a 10–15% contingency for unexpected costs.
• Detail phasing in your project plan — lenders like clarity on staged drawdowns.
• Consider VAT timing and whether a VAT loan is needed to cover the up-front tax element.
• Where possible specify energy-efficient upgrades — some lenders and grant schemes favour green improvements.
• Keep professional fees (design, planning) visible in your budget so lenders see the total project cost.

Top tip: using finance for fit-outs preserves working capital so you can absorb trading fluctuations post-refit. For tailored advice, Speak to Fit-Out Finance Specialists.

Why use Fast Business Loans for fit-out funding

Fast Business Loans connects you to a broad panel of UK lenders and brokers experienced in commercial refurbishments. We make it quick and simple to get multiple, relevant responses from partners who understand your sector — without repeated forms or unnecessary credit checks.

• No cost to you — our service is free for businesses.
• Rapid matching — many businesses hear back within hours.
• Secure handling of your data and clear transparency about how we introduce you to partners.
• We do not lend or provide regulated financial advice; we introduce you to finance providers best placed to help.

“Fast service and relevant lender matches — saved us weeks of searching.” — sample testimonial.

Get Started – Fit-Out Finance Enquiry

Step-by-step: completing your enquiry

What to expect when you complete the quick enquiry form:

1. Time to complete: under two minutes.
2. Information needed: company name, contact, industry, trading time, turnover band, funding amount sought, brief description of intended use, timeframe.
3. Data handling: we share your details only with selected partners relevant to your request; we don’t sell data to unrelated third parties.
4. Next steps: lenders/brokers will contact you by email or phone to discuss terms and request supporting documents if needed.

Start My Fit-Out Finance Request

Fit-out finance FAQs

How much fit-out finance can I apply for?

Through our panel, lenders typically consider requests from around £10,000 up to several million. Exact availability depends on project, trading history and security offered.

How quickly can funds be released?

Timescales vary: unsecured loans or asset finance can complete in days to weeks, while secured facilities or larger sums may take several weeks to agree and draw down.

What’s the difference between fit-out and refurbishment finance?

“Fit-out” usually refers to fitting interiors and equipment for a new or reconfigured space; “refurbishment” can be broader, including structural or external works. Finance types overlap but specialist lenders exist for both.

Can start-ups apply?

Yes — some partners offer solutions for new businesses, especially where strong business plans, franchise agreements or landlord consents support the project.

Will I need to provide security?

Some lenders require security (business assets, property or personal guarantees) depending on loan size and risk profile; others provide unsecured options for smaller amounts.

What interest rates and terms are available?

Rates and terms vary widely by lender and business circumstances. Expect short-term bridging rates to be higher and secured, long-term facilities to offer lower rates over longer terms. Specific figures are provided by lenders after assessment.

Will an enquiry affect my credit score?

No. Completing our enquiry does not affect your credit score. Partner lenders may perform checks only if you choose to progress with an offer.

Can I fund phased projects or multiple sites?

Yes — many lenders support staged drawdowns or multi-site rollouts. Provide clear project milestones when enquiring so partners can propose suitable facilities.

Didn’t see your question? Contact us via the free enquiry and we’ll match you to relevant partners.

Compliance & transparency

Fast Business Loans is an introducer — we do not lend and we do not provide regulated financial advice. Our communications are designed to be clear, fair and not misleading. All promotions and information on this page are indicative only; rates, terms and lender availability depend on individual circumstances and lender criteria.

Your personal and business data is handled in line with our privacy policy and shared only with selected finance partners for the purpose of progressing your enquiry. Submitting a form is voluntary and carries no obligation.

Submit a Secure Enquiry

Compare trusted UK fit-out finance lenders today

Complete our free enquiry form to receive tailored responses from lenders and brokers who specialise in commercial fit-outs. We’ll match you quickly so you can secure the right funding and get work started.

Get Fit-Out Finance Quotes