Fit-Out Finance Solutions for UK Businesses

Summary: Need funding to fit out a shop, office, restaurant or clinic? Fast Business Loans connects UK companies to lenders and brokers who specialise in fit-out finance from around £10,000 upwards. Complete a short enquiry (not an application) and we’ll match you to the best partners for your project so you can compare quotes with no obligation.

Disclosure: Fast Business Loans is an introducer. We do not lend money or provide regulated financial advice. Submitting an enquiry is not an application; it simply allows us to match your business with lenders and brokers who may be able to help. Any finance offered is subject to lender criteria and status.

What is fit-out finance & who needs it?

Fit-out finance covers funding for the refurbishment or internal works required to make commercial premises ready for trading. That includes shop refits, restaurant kitchens and dining areas, office remodelling, healthcare clinic fit-outs and leisure or hospitality refurbishments. Typical projects range from small refurbs to large, phased roll-outs across multiple sites.

Fast Business Loans does not provide loans. We act as a free introducer: you tell us about your project and we connect you to brokers and lenders who specialise in fit-out funding. Enquiries start from around £10,000 upwards.

Free Eligibility Check

Why businesses choose fit-out finance

• Preserves working capital — spread the cost of the project over an agreed term.
• Repayments matched to cashflow — lenders offer terms and structures that suit trading cycles.
• Access to trade expertise — specialist lenders understand sector costs and risks.
• Faster launches and refurbishments — finance can speed up fit-out delivery.

Common scenarios

• New retail branch or shop launch.
• Restaurant or café refurbishment and equipment purchase.
• Office relocation and workspace redesign.
• Clinic or health suite refit requiring specialist fixtures.
• Rollout of a franchise fit-out across multiple sites.

Get Your Fit-Out Finance Quote

How Fast Business Loans supports your fit-out project

We make the funding search quick and efficient by matching your brief to lenders and brokers on our panel who specialise in fit-outs. Our process is transparent and designed to minimise wasted time while preserving confidentiality.

Step 1 – Share your project brief

Complete a short enquiry with basic business details, project value, timescales and contact information — it takes under 2 minutes. This is not an application and will not affect your credit score.

Step 2 – Matched with trusted fit-out finance partners

We review your details and introduce you to one or more finance partners with the expertise to consider your request. These matches are based on sector fit, loan size and lender appetite.

Step 3 – Compare proposals quickly

Brokers or lenders will contact you directly to discuss terms and may request supporting documents. You can compare proposals with no obligation or upfront fees.

Step 4 – Move forward when you’re ready

Accept the option that best suits your business. Fast Business Loans receives no fee from you — we are paid by our partners when introductions result in completed deals.

Start Your Fit-Out Enquiry

Types of fit-out finance we can introduce

There is no one-size-fits-all solution. Lenders and brokers can structure finance in a number of ways depending on your needs:

Unsecured business loans for fit-outs

Quick to arrange for suitable applicants, no asset security required. Suitable for smaller projects where directors prefer not to offer business assets as collateral.

Secured loans & asset-backed options

Lower rates may be available where security is acceptable — for example a charge against commercial property or equipment.

Lease/Rental agreements & hire purchase

Useful where the project relies heavily on fixtures, fittings or equipment. Payments are spread across the usable life of the assets.

Merchant cash advances (turnover-based)

Where a business has high card turnover, a merchant cash advance can provide fast access to funds repaid as a percentage of daily takings.

Each option has pros and cons and may affect cashflow and cost. Our partners will explain suitability for your situation.

Fit-out costs we commonly handle

Typical cost categories for fit-outs include:

• Joinery, partitioning and carpentry
• Plumbing, heating and HVAC
• Electrical works, lighting and IT cabling
• Commercial kitchens, extraction and ventilation
• Decor, flooring and specialist finishes
• Fixtures, fittings and furniture
• Planning, compliance works and landlord/developer fees

Project sizes we commonly work with: from around £10,000 to £5m+. Lenders will assess affordability, trading performance and project viability when considering requests.

Eligible businesses & sectors

We introduce finance for a wide range of commercial sectors, including:

• Retail & high street shops
• Restaurants, cafés & hospitality
• Offices and co-working spaces
• Healthcare, dental and wellness clinics
• Leisure, gyms and personal care studios
• Franchises and multi-site rollouts

Our panel includes lenders experienced in each sector’s cost profiles and revenue models, increasing the chance of a suitable match.

Check Fit-Out Finance Eligibility

Preparing a fit-out finance enquiry

Being ready speeds up decision-making. Typical items lenders request include:

• Brief project plan and total cost estimate
• Supplier or contractor quotes
• Projected cashflow showing repayment capability
• Recent management accounts and bank statements
• Details of existing borrowing and security
• Landlord consent or evidence of lease terms (if applicable)

Have these to hand when a broker contacts you and you’ll often receive proposals faster.

Responsible finance & what to expect

Lenders consider affordability, credit history and business strength. No lender can guarantee approval — all finance is subject to status and terms. Fast Business Loans promotes clear, accurate and non-misleading information and will only share your details with partners who can legitimately consider your enquiry.

Why use Fast Business Loans for fit-out funding?

1. Speed: quick enquiry and rapid matches to relevant partners.
2. Specialist panel: lenders and brokers experienced in fit-outs and specific sectors.
3. Free & no obligation: there is no cost to you to be matched.
4. From £10k up: we focus on commercial finance of meaningful project sizes.
5. Confidential: your details are shared only with appropriate partners.

Get Matched with Fit-Out Finance Experts

Case snapshot: how introductions work

Examples (illustrative only):

• Independent restaurant: £120k fit-out combining equipment hire-purchase and a medium-term unsecured loan. Matched to a hospitality specialist lender; conditional offer within days once accounts provided.
• Dental clinic expansion: £85k for surgery fixtures and equipment via an asset finance solution plus working capital facility; broker negotiated competitive terms based on sector experience.

Typical timeline: from enquiry to funding

Speed varies by lender and project complexity, but a broad guide:

• Same day: enquiry received and initial review completed.
• 1–5 working days: brokers contact you for details and indicative proposals.
• Several days–few weeks: conditional offers and due diligence depending on documents and security required.
• Funding: once contracts and any legal steps are complete, funds are released per the lender’s timescale.

FAQs: Fit-out finance with Fast Business Loans

How much can I borrow for a fit-out?

Our partners consider requests from around £10,000 up to several million, depending on project scope, business performance and lender appetite.

Will an enquiry affect my credit score?

No — submitting an enquiry through Fast Business Loans does not affect your credit file. Lenders may perform credit checks later if you decide to proceed.

How quickly can I receive funding?

Many businesses receive conditional proposals within days once initial documents are supplied. Final funding timing depends on due diligence and any legal requirements.

Do lenders require security?

Some options are unsecured; others require security (property or assets). Each lender will explain their requirements during the quotation process.

Can I finance furniture, décor and soft furnishings?

Yes — many packages can include fixed installations, equipment and soft furnishings. The scope varies by lender and product.

What does your service cost?

Our service is free for businesses. We are paid by lenders and brokers when introductions lead to completed deals. You pay any fees or interest charged by the lender you choose.

Free Fit-Out Finance Check

Next steps

• Prepare a short project brief and an estimated budget.
• Complete our quick enquiry — it takes under 2 minutes and will not affect your credit score: Get Quote Now.
• We’ll match you to the most suitable lenders and brokers — they’ll contact you directly with options.

Need more detail? Read our practical guidance on specialist fit-out finance to understand typical structures and lender expectations.

Important: Fast Business Loans is an introducer and does not provide loans or regulated financial advice. Any finance is subject to status, lender criteria and terms. Submitting an enquiry does not guarantee an offer. We handle your data securely and only share it with relevant finance partners to progress your request.

– What is fit-out finance and how does it work?
Fit-out finance funds the refurbishment and internal works of commercial premises, and Fast Business Loans matches UK businesses with specialist lenders so costs can be spread over an agreed term.

– How much can I borrow for a shop, office, restaurant or clinic fit-out?
Our partners typically consider from around £10,000 up to several million, subject to project scope, affordability and lender criteria.

– Will submitting a fit-out finance enquiry affect my credit score?
No—our enquiry is not an application and won’t affect your credit file, though lenders may run checks if you decide to proceed.

– How quickly can I get a decision and funding for a fit-out?
Indicative proposals often arrive within days once documents are supplied, with funding following after due diligence in days to a few weeks.

– What types of fit-out finance are available?
We can connect you with unsecured business loans, secured and asset-backed options, leases/hire purchase, and merchant cash advances.

– What costs can be covered by fit-out finance?
Eligible costs commonly include joinery, partitioning, plumbing and HVAC, electrics and data, commercial kitchens, décor and flooring, fixtures and furniture, compliance works and landlord fees.

– Do lenders require security?
Some options are unsecured while others may require security over property or assets, with requirements explained during the quotation process.

– What documents will I need to provide?
Lenders usually ask for a project plan and costings, supplier quotes, cashflow projections, recent accounts and bank statements, details of existing borrowing, and lease or landlord consent where applicable.

– What are typical interest rates and terms for fit-out finance?
Rates and terms vary by product type, security and business profile, and your matched broker or lender will provide tailored quotes for your project.

– Are you a lender and what does your service cost?
Fast Business Loans is an introducer, not a lender, and our matching service is free with no obligation—you only pay any fees or interest charged by your chosen lender.