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: Get Tailored Funding for Your Refurbishment Project Fast
Summary: If you need funding to refurbish or fit out retail, hospitality or office premises, Fast Business Loans will quickly match your business with lenders and brokers who specialise in fit-out finance from £10,000 upwards. Complete a short, no-cost enquiry and we’ll introduce you to the providers most likely to meet your needs — no obligation, no credit footprint at enquiry stage. Get Started — Free Eligibility Check
Why fit-out finance matters for growing UK businesses
Professionally executed fit-outs can improve customer experience, increase revenue per square metre and boost staff productivity. But refurbishment costs are often significant and can strain working capital. Fit-out finance lets you spread costs, protect cashflow and start trading from improved premises while paying back the investment over time.
Common sectors that benefit:
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.
- Retail and e-commerce showrooms
- Restaurants, cafes and bars
- Hotels and serviced accommodation
- Office relocations and modernisations
- Health & leisure facilities
Check My Fit-Out Finance Options
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans helps with fit-out funding
We’re an introducer: we don’t lend and we don’t provide regulated financial advice. Instead we use a short enquiry to match you quickly with lenders and brokers experienced in commercial fit-outs. Our process is designed to save you time and improve your chance of a suitable offer.
- Short enquiry: Tell us a few details about your business, project and funding needs (takes under 2 minutes).
- Smart matching: We connect you to selected brokers and lenders from our panel who specialise in fit-outs for your sector and project size.
- Rapid response: Matched partners contact you with indicative terms or requests for documents.
- Compare & decide: Review offers and choose a lender or broker to proceed with — it’s your decision.
We only share your details with partner lenders and brokers who are most relevant to your case, and we operate clear privacy and data-handling practices. Start Your Enquiry (Takes <2 Minutes)
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of fit-out finance we can introduce you to
Unsecured business loans
Short to medium-term loans without property security. Suitable for smaller fit-outs or when you prefer not to use assets as collateral. Typical sizes we arrange start at £10,000. Repayments and rates vary by lender and business profile; affordability is assessed by lenders.
Secured loans & asset-backed facilities
Lenders may offer larger sums where security is provided (property charge, debenture). These facilities can offer lower rates or larger limits for major refurbishments. Security requirements depend on the lender and the amount requested.
Hire purchase & equipment finance
Useful when a large portion of the budget is fixtures, fittings or specialist equipment. Repayments are structured around asset life and can include optional ownership at the end.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice finance & revolving credit
If you need working capital to bridge contractor payments or stock during a fit-out, invoice finance or a revolving facility can free up cash tied in receivables.
Each option has trade-offs: interest, fees, security and repayment terms vary. Matched brokers will discuss suitability with you — we do not provide advice. Get Quote Now
Fit-out costs we commonly cover
Lenders will consider the scope, value and timeliness of your project. Common eligible items include:
- Interior construction and partitioning
- Mechanical, electrical and plumbing (M&E)
- Flooring, ceilings and lighting
- Signage and shopfront works
- Furniture, fixtures and fittings (FF&E)
- Commercial kitchen or bar equipment
- IT infrastructure and security systems
- Fire safety, accessibility and compliance upgrades
- Energy-saving and sustainability improvements
Note: funding eligibility is assessed by lenders and is not guaranteed. See if Your Fit-Out Costs Qualify — Free 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.
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.
Eligibility snapshot
Typical lender criteria include:
- UK-registered limited companies or LLPs (trading history considered)
- Minimum facility sizes typically from £10,000
- Turnover and profitability thresholds dependent on lender
- Management experience and sector track record
- Credit and affordability checks at application stage
Start-up projects and franchises may be considered by specialist lenders, but each lender sets their own rules. Submitting an enquiry does not leave a credit footprint; lenders perform checks only if you choose to proceed. Complete Eligibility Check
What to expect when you apply through Fast Business Loans
Step 1 — Tell us about your project
Our short enquiry asks for business name, sector, turnover band, amount required, and a brief project summary. Accurate details help us match you faster.
Step 2 — We match you with trusted partners
Based on your information we introduce you to brokers and lenders who specialise in fit-outs for your sector and project value.
Step 3 — Compare indicative offers
Matched partners will usually give indicative terms or request documentation (quotes, plans, accounts). You can compare offers and request more detail from any partner.
Step 4 — Decide in your own time
Choose the provider you prefer. The decision and any contract are made directly with the lender or broker.
“Fast Business Loans saved us weeks of searching — we had two competitive options within 48 hours and started works within a month.” — Regional retail client (anonymised)
How much can you borrow for a fit-out?
Loan sizes depend on the lender, security and your business profile. Typical ranges across our panel span from around £10,000 to £5m+ for larger commercial projects. Smaller business-led refurbishments commonly fall between £10k–£250k, while multi-site or major hospitality projects can access higher limits with agreed security or developer/sponsor backing.
Options such as staged drawdowns or direct supplier payments are available in many cases to ensure funds match work stages. Discuss Your Budget with a Specialist
Managing cash flow during a fit-out
Fit-outs can create temporary cash pressures. Practical steps to manage this risk include:
- Plan a contingency (typically 10–20% of budget)
- Use staged finance or drawdown facilities
- Negotiate phased payments with contractors and suppliers
- Combine product types — e.g., asset finance for equipment, unsecured loan for finishing costs
- Keep clear reporting on forecasted cashflow and payment dates
Matched brokers can help structure facilities to reduce peak pressures. Match with Fit-Out Finance Experts
Why choose Fast Business Loans for fit-out funding?
- Fast matching — tell us once and meet multiple relevant lenders/brokers.
- Sector expertise — we match you with partners who understand retail, hospitality and commercial fit-outs.
- No cost to you — our service is free and there’s no obligation to proceed.
- Transparent process — we explain next steps and what to expect from partners.
- Minimum enquiry impact — initial enquiry does not affect your credit score.
Success stories & use cases
Retail refit (anonymous)
Challenge: National retailer needed a contemporary store refit across 3 locations but cashflow was tight. Introduced to a broker who arranged a secured facility combined with supplier payment terms. Outcome: Works completed on schedule; sales uplift of 18% within three months.
Restaurant kitchen upgrade
Challenge: Popular restaurant required a kitchen overhaul mid-season. Introduced to an equipment finance provider and short-term unsecured facility. Outcome: Minimal downtime and faster service with new equipment; repayments aligned to increased takings.
Frequently asked questions about fit-out finance
What is fit-out finance and how does it work?
Fit-out finance is funding to cover refurbishment and fitting costs. We introduce you to lenders/brokers who assess your project and propose suitable facilities, subject to lender approval.
Can I fund both soft furnishings and structural work?
Yes — many lenders will consider both soft and structural elements. The split between unsecured and secured funding depends on total cost and lender preference.
How quickly can I receive offers?
Often within hours for simple enquiries; more complex projects requiring quotes, plans or valuations may take longer.
Will my enquiry impact my credit score?
No — submitting an initial enquiry through Fast Business Loans does not affect your credit file. Lenders may perform checks later if you choose to proceed.
Do I need property as security?
Not always. There are unsecured options for smaller projects, and secured facilities for larger sums. Matched partners will discuss the best structure for your needs.
What information will lenders ask for?
Typical requests: contractor quotes, specification, management accounts, company details and ID documents. Requirements vary by lender.
Ready to transform your space?
Fast Business Loans makes it easy to explore fit-out finance options without searching multiple providers yourself. Complete our short enquiry and we’ll match you with lenders and brokers who understand your sector and project.
Get Your Fit-Out Finance Quote
For practical background reading on fit-out-specific lending structures and considerations, see our detailed guide to fit-out finance.
Compliance & disclaimer
Fast Business Loans is an introducer that connects UK businesses with lenders and brokers for commercial finance. We are not a lender and do not provide regulated financial advice. All finance is subject to the lender’s eligibility, terms and approval. We recommend you consider independent financial or legal advice before entering into any facility. Submitting an enquiry authorises Fast Business Loans to share your details with selected finance partners who may contact you. Initial enquiries do not leave a credit footprint.
Fast Business Loans — connecting UK companies with fit-out finance partners fast, transparently and without obligation.
– What is fit-out finance and how does it work?
Fit-out finance funds the refurbishment or fitting out of commercial premises, and Fast Business Loans introduces UK businesses to suitable brokers and lenders who assess the project and offer facilities subject to approval.
– Will submitting an enquiry affect my credit score?
No—our initial enquiry leaves no credit footprint, and credit checks only occur if you decide to proceed with a specific lender.
– How quickly will I receive offers or funding?
Most businesses hear from matched brokers or lenders within hours on business days, while funding speed depends on documents, lender processes and project complexity.
– How much can I borrow for a fit-out?
Typical amounts range from around £10,000 to £5m+ depending on your business profile, affordability and any security offered.
– What fit-out costs can be financed?
Lenders commonly cover M&E works, partitions, flooring and lighting, signage and shopfronts, FF&E, commercial kitchens or bar equipment, IT/security, fire safety and energy-efficiency upgrades.
– What types of finance can you introduce me to for a refurbishment?
Depending on your needs, you may be matched with unsecured or secured business loans, asset/equipment finance or hire purchase, invoice finance, or revolving credit facilities.
– Do I need property as security?
Not always—smaller projects can be funded unsecured, while larger sums may require security such as a property charge or debenture.
– Are start-ups and franchises eligible?
Yes—specialist lenders on our panel may consider start-ups and franchises on a case-by-case basis, subject to their criteria and affordability checks.
– What documents will lenders ask for?
Expect requests for contractor quotes and specifications, plans, recent management accounts, company details and ID, with exact requirements varying by lender.
– Is the enquiry an application and does it cost anything?
No—the enquiry is not a loan application and our matching service is free with no obligation to proceed.