Fit-Out Contractors Invoice Finance | Fast Business Loans

Fit-Out Finance: Fast, Fair & Tailored for Growing UK Businesses

Summary
If you’re planning a shop, restaurant, office or specialist premises refurbishment, fit-out finance helps you spread the cost of fixtures, fittings, services and contractor stages without draining working capital. Fast Business Loans does not lend — we match UK limited companies and LLPs with lenders and brokers who specialise in commercial fit-outs. Enquire via our short form for a free, no‑obligation eligibility check and receive tailored matches from providers who can quote for projects from around £10,000 up to multi‑million pound schemes. Get Started – Free Eligibility Check

Table of contents
– What is fit-out finance and when does it help? (#what-is)
– Types of fit-out projects we support (#projects)
– Retail & e-commerce spaces (#retail)
– Hospitality & leisure (#hospitality)
– Office & professional workspaces (#office)
– Healthcare & wellbeing (#healthcare)
– Industrial & logistics units (#industrial)
– What costs can be financed? (#costs)
– How Fast Business Loans connects you with fit-out lenders (#how-we-work)
– Fit-out finance options compared (table) (#comparison)
– Eligibility snapshot: who can enquire? (#eligibility)
– Realistic costs & repayment tips (#costs-tips)
– Why businesses choose Fast Business Loans (#why-us)
– Compliance & transparency (#compliance)
– Fit-Out Finance FAQs (#faqs)
– Start your enquiry (#start)

What is fit-out finance and when does it help?
Fit-out finance (sometimes called refurbishment or tenant‑improvement finance) covers the cost of converting or upgrading commercial premises so they’re ready for business. It’s different from general working capital because it’s specifically intended for capital improvements: partitions, flooring, bespoke joinery, shopfronts, kitchens and bar installs, mechanical and electrical installs, lighting, A/V, disabled‑access works and specialist finishes.

This finance is useful when:
– You need to preserve cashflow while paying contractors and suppliers.
– You want staged drawdowns tied to project milestones or invoices.
– Your project is larger than routine maintenance and needs longer-term repayment.
– You are fitting out leased premises and want terms aligned with lease length.

Fit-out projects have unique funding requirements — if you’d like to explore providers who specialise in this area, see our full fit-out finance guide for lenders and broker options: fit-out finance. Check Your Options in Minutes

Types of fit-out projects we support
We work with lenders and brokers experienced in a wide range of commercial fit-outs. Below are representative sectors and the typical uses of finance.

Retail & e-commerce spaces
From boutique shops to multi-site rollouts, finance can cover shopfronts, shelving, security systems, POS hardware and installation fees.

Hospitality & leisure (restaurants, hotels, pubs, gyms)
Kitchens, bars, bespoke joinery, ventilation, commercial refrigeration and front‑of‑house finishes are common fit-out items for hospitality projects.

Office & professional workspaces
Open-plan refurbishments, meeting rooms, data cabling, HVAC, ergonomic furniture and hybrid workplace adaptations can be financed.

Healthcare, wellbeing & clinical settings
Waiting areas, treatment rooms, specialist electrical/medical installations and partitioning work for clinics, dental and wellbeing practices.

Industrial & logistics units
Racking, mezzanines, upgraded lighting, staff facilities and partitioning to create offices or processing areas in warehouses.

What costs can be financed?
– Contractors’ staged invoices
– Fit-out design and professional fees
– Fixtures, furniture & equipment (FF&E)
– Mechanical, electrical & plumbing installs
– Specialist systems (kitchen, refrigeration, clinical equipment)
– Planning or building‑regulation related works (subject to lender acceptance)

Get Quote Now – No Obligation

How Fast Business Loans connects you with the right fit-out lenders
Our process is designed to be clear, fast and focused on matching you with providers who understand fit-outs:

1. Quick enquiry
Complete a short form (usually under two minutes) with basic project, company and contact details — this is an enquiry only, not an application.

2. Intelligent matching
We match your enquiry to a small panel of lenders and brokers who specialise in commercial fit-out projects and can consider your sector and credit profile.

3. Rapid response
Matched partners typically contact you by phone or email to request supporting documents and provide indicative quotes or further questions.

4. Compare and decide
You receive one or more proposals and choose whether to proceed. Any formal credit checks are only performed by lenders/brokers when you choose to progress.

We only introduce you to lenders and brokers — Fast Business Loans does not lend or provide regulated advice. We treat your details securely and only share them with partners who can help. Start Your Fit-Out Enquiry

Fit-out finance options compared
Below is a quick comparison of common finance types used for fit-outs.

Each option has trade-offs between speed, cost and security. Matched brokers will explain which routes are most suitable for your sector and project size. Compare Fit-Out Finance Options

Eligibility snapshot: who can enquire?
Submitting an enquiry lets our partners consider your case. Typical eligibility factors they look at include:
– Business type: UK limited companies, LLPs and incorporated groups.
– Trading history: many lenders accept established companies more readily; some specialist lenders will consider newer businesses.
– Project size: we commonly arrange finance from around £10,000 up to multi‑million projects.
– Financials: turnover, profitability and existing liabilities are considered.
– Documents lenders may request: management accounts, company accounts, contractor quotes, lease or title information.

Submitting an enquiry is not an application and won’t affect your credit score. See If You Qualify Today

Realistic costs & repayment tips for fit-out projects
Typical UK fit-out cost ranges (illustrative):
– Small boutique or café: £10,000–£60,000
– Restaurant / bar fit-out: £60,000–£400,000
– Office refurbishment (per desk): £3,000–£8,000
– Multi-site rollouts or high‑spec hospitality: £500,000+

Practical tips:
– Stage drawdowns to match contractor milestones and reduce interest on unused funds.
– Align finance length with the lease term where possible; avoid long repayments on short leases.
– Keep a contingency of 10–15% for unforeseen costs.
– Consider blending funding (asset finance for equipment + loan for works) to optimise terms.

Top tips
– Obtain at least two contractor quotes before enquiring.
– Share clear scope documents with brokers to speed matching.
– Ask brokers for indicative APR ranges and fees upfront.
Talk to Trusted Fit-Out Finance Brokers

Why businesses choose Fast Business Loans for fit-out funding
Fast Business Loans helps businesses save time and connect with partners who understand their sector. Our key advantages:
– Speed: short enquiry form and rapid matching.
– Relevant matches: we route enquiries to brokers/lenders experienced with commercial fit-outs.
– No charge: our service is free and without obligation to you.
– Discretion: your details are shared only with relevant partners.
– Scale: experience arranging finance from £10,000 to multi‑million schemes.

Client feedback (illustrative)
“Client feedback, 2024 – We needed a phased funding solution for two new restaurants. Fast Business Loans matched us with a broker who sourced a blended package in under a week. The process saved us time and cashflow headaches.” (Illustrative example)

Submit Your Fit-Out Enquiry

Compliance & transparency you can trust
Fast Business Loans introduces businesses to lenders and brokers — we neither lend money nor provide regulated financial advice. Our communications are designed to be clear, fair and not misleading. We do not charge businesses to be matched and we explain that any lender offer is subject to credit approval and lender terms. Your enquiry is an information request used solely to find suitable finance matches; it is not a loan application.

Get Started – Free Eligibility Check

Fit-Out Finance FAQs
How quickly can I arrange fit-out finance?
Timescales vary by product and provider. Some lenders or brokers can provide indicative quotes within hours and formal offers within days once documents are supplied. Complex commercial mortgages or large secured loans typically take longer — often several weeks. Subject to lender approval.

Can new businesses apply for fit-out loans?
Some specialist lenders and brokers will consider newer companies, particularly if there is a strong business plan, experienced management team or franchise backing. For larger or lower-margin projects, established trading history helps. Subject to lender approval.

Will enquiring affect my credit score?
No. Completing our enquiry form is an information request only and does not impact your credit score. Lenders or brokers may perform credit checks later if you choose to progress with an application.

What can be covered within fit-out finance?
Works, fixtures, furniture, specialist installations, professional fees and staged contractor invoices are commonly financeable. Exact cover depends on the lender and the structure of the deal. Subject to lender approval.

What security might be required?
Security depends on finance type and amount. Smaller unsecured loans may need personal guarantees; larger sums often require property or asset security. Your matched broker will clarify likely requirements.

Can I combine fit-out finance with other funding?
Yes. It’s common to mix funding types (e.g., asset finance for equipment plus a medium-term loan for works) to optimise cashflow and tax outcomes. Your matched broker can propose blended solutions. Subject to lender approval.

How do repayments work?
Repayments depend on the product: monthly capital & interest, interest-only periods, or lease rentals for operating leases. Ensure repayment profiles align with anticipated trading and lease lengths.

How much does your service cost?
Fast Business Loans is free for businesses to use. Any fees for arranging finance will be transparently disclosed by the lender or broker before you proceed. Submitting an enquiry is not an application and carries no fee.

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Start your enquiry
Ready to explore fit-out finance? Complete our short enquiry form and we’ll match you with lenders and brokers who specialise in commercial fit-outs. Get a free, no‑obligation eligibility check and receive tailored quotes from providers who can consider projects from around £10,000 upwards. Start Your Enquiry – Free Eligibility Check

Footer note
Fast Business Loans is a trading style of Fast Business Loans Ltd. We do not provide financial advice and we do not lend. All finance is subject to status, lender eligibility and terms.1) What is fit-out finance and how does it work?
Fit-out finance spreads the cost of refurbishing shops, restaurants, offices or industrial units—covering works, fixtures and installs—often released in stages against contractor invoices.

2) How much can I borrow and over what term?
UK businesses can typically fund from around £10,000 to multi‑million pound projects with terms from about 1–25 years, depending on the product and security.

3) How fast can I get fit-out funding?
Many borrowers receive indicative quotes within hours and formal offers in days once documents are supplied, while large secured deals may take several weeks.

4) Will submitting an enquiry affect my credit score?
No—our short enquiry is not a loan application and won’t affect your credit score; checks only occur if you choose to proceed with a lender or broker.

5) What fit-out costs can be financed?
Finance can cover staged contractor invoices, FF&E, M&E, specialist systems (e.g., kitchens, refrigeration, clinical equipment), design/professional fees and some compliance works, subject to lender acceptance.

6) Do I need security or a personal guarantee?
Smaller unsecured loans may require a director’s personal guarantee, while larger amounts often need property or asset security depending on the lender and deal.

7) Can start-ups or new businesses apply?
Yes—specialist lenders may consider newer companies with a strong plan, experienced management or franchise backing, though established trading improves options.

8) What interest rates or APRs can I expect?
Rates vary by credit profile, sector, security and product type, and your matched broker will outline indicative APRs and fees before you decide.

9) Can I stage drawdowns and align repayments with my lease?
Yes—funding can be drawn down against milestones and structured so repayments align with anticipated trading and the length of your lease.

10) How does Fast Business Loans help and what does it cost?
Fast Business Loans is a free, no‑obligation introducer that matches UK limited companies and LLPs with relevant fit‑out lenders and brokers; we are not a lender and do not provide financial advice.