Fit-Out Finance for UK Businesses

Summary: Need funding to refit, refurbish or fit out premises? Fast Business Loans connects UK companies seeking fit-out finance (funding from around £10,000 and up) with lenders and specialist brokers who can provide tailored options. Submit a short, no‑obligation enquiry — it’s not an application and it won’t affect your credit score — and we’ll match you with the best partners to discuss terms and timescales. Get a Free Eligibility Check.

What is fit-out finance?

Fit-out finance is business funding designed to cover the cost of refurbishing, refitting or furnishing commercial premises — from retail shop fronts and café interiors to office reconfigurations or hospitality refurbishments. Typical uses include fixtures and fittings, décor and finishes, specialist ventilation or extraction for kitchens, bespoke counters, flooring, lighting and professional installation costs.

Put simply: if you’re investing in the look, layout or functionality of premises to trade better, fit-out finance can bridge the cash gap.

Ready to explore options for your project? Get a Free Eligibility Check — the enquiry is quick, non-binding and used only to match you with lenders/brokers.

For a broader guide to fit-out finance and how lenders view refurbishment projects, see our in-depth fit-out finance resource on fit-out finance.

Projects you can fund with fit-out finance

• Retail shop refits: shopfronts, display fittings, point-of-sale installation
• Hospitality & leisure: restaurants, bars, cafés — kitchens, seating, bar counters
• Office refurbishments: open-plan redesigns, partitioning, collaborative space fit-outs
• Healthcare & wellness: clinic refurbishment, salon fit-outs, specialist fixtures
• Industrial and warehousing: mezzanine floors, racking, office build-outs inside units
• Franchise roll-outs or multiple-site refits (staged or phased funding)

Our panel covers a broad spectrum of lenders and brokers that specialise in commercial refurbishment — tell us about your project and we’ll match you quickly. Tell us about your project.

Funding structures available via our panel

Different projects and cashflows suit different structures. Our partners can arrange:

• Unsecured business loans — fast to arrange, suitable when you don’t want to secure against property or assets. Typical terms vary; amounts usually start around £10,000 upwards.
• Secured loans or commercial mortgages — for larger-scale refits where property security is acceptable and potentially lower rates are available.
• Asset finance / hire purchase — for equipment-heavy fit-outs (kitchen equipment, coffee machines), spreading cost over time while you use the asset.
• Leasing — for furniture or specialist equipment where ownership at outset isn’t required.
• Invoice or bridging finance — useful if cashflow timing (for example, staged payments to contractors) is the issue rather than the total project cost.
• Combination solutions — some projects use multiple products (e.g., asset finance plus short-term working capital).

Illustrative amounts, terms and suitability vary by lender. Our role is to match your details to the right channel so you only speak to partners likely to offer an appropriate solution. Compare your options — start your free check.

Why use Fast Business Loans for fit-out funding?

• We match you with lenders and brokers who specialise in commercial fit-outs — save time and increase your chance of getting the right terms.
• Quick, no-obligation enquiry: the short form is not an application and does not affect your credit score.
• Our service is free for businesses — we only introduce you to partners who can help.
• We work with a wide panel, so you get a fair range of options and voices to compare.
• Confidential data handling — we share details only with matched partners.

Want a fast, impartial match? Get Started with a Free Eligibility Check.

How our process works (fast, simple, transparent)

1. Complete a short enquiry form (takes around 2 minutes) — this is for matching only, not an application.
2. We review and match your request to the most suitable lenders or brokers in our panel.
3. A matched partner will contact you to discuss options, documents and indicative pricing — typically within hours during business times.
4. You receive offers, compare terms, and decide which lender to proceed with — there’s no obligation from our side.

Here’s the good news: many businesses hear back within 24–48 hours and some funding decisions are reached in a matter of days. Start your enquiry now.

Eligibility snapshot & documents to prepare

Typical lender checks vary, but preparing these documents speeds the process:

• Company name, registration number and trading address
• Recent business bank statements (3–6 months)
• Latest management accounts and, if available, last year’s filed accounts
• Evidence of the fit-out costs — quotes, invoices, contractor proposals
• ID and proof of address for directors (where required)

Eligibility factors lenders commonly consider:

• Minimum loan sizes — our panel typically arranges facilities from around £10,000 upwards
• Business trading history and turnover
• Credit history and outstanding liabilities
• Security options (if needed)

Exact criteria differ by provider; our partners will confirm what’s required once you submit the enquiry. Complete the short form to get matched.

Costs, repayments and responsible borrowing

Costs depend on product, loan size, term and security. Expect variation in:

• Interest rates (fixed or variable)
• Arrangement or documentation fees
• Early repayment charges (for some secured/term products)

How to budget for a fit-out

Estimate total project cost (including contingency), match repayment profiles to expected cashflow, and consider staged funding if rolling works over weeks/months. Always compare total cost of borrowing, not just monthly payments.

Important: Fast Business Loans introduces you to lenders and brokers — we do not provide financial advice and the decision to proceed is yours. All finance is subject to status and lender approval.

Sector-specific fit-out insights (quick tips)

Retail & leisure

• High street refits often benefit from asset finance for tills/displays and unsecured loans for décor.
• Seasonality can affect cashflow — consider short-term bridging during busy seasons.

Hospitality

• Kitchen equipment is asset-finance friendly; big refurbishments may suit secured lending.
• Lenders look for evidence of projected turnover uplift post-refit.

Offices

• Open-plan reconfigurations and IT fit-outs can be financed through equipment or commercial loans.

Mention your sector in the enquiry — it helps us match you with specialists who understand the risks and timings. Tell us about your sector.

Indicators of a successful fit-out finance outcome

• Clear, realistic cost breakdowns and contractor quotes.
• Strong, demonstrable cashflow forecasts post-refit.
• Flexible matching with lenders who have appetite for your sector and project size.

Many of our customers complete the enquiry and receive multiple contacts from brokers/lenders — giving them choice and negotiating power.

Quick recap — why businesses choose Fast Business Loans

• Fast matching to lenders and brokers who understand fit-outs
• Free, no-obligation enquiry — not an application and no immediate credit impact
• Loans typically from £10,000 upwards
• Secure and confidential handling of your details

Ready to compare options? Get Quote Now — Free Eligibility Check.

Frequently asked questions

How quickly can I access fit-out funds?

After submitting our enquiry form, a matched broker or lender will usually contact you within hours during business times. Offer and funding timelines depend on lender checks — some smaller unsecured loans can be arranged in days, larger secured deals may take weeks.

Is the enquiry an application and will it affect my credit score?

No. The enquiry is for matching only. It’s not a formal application and does not affect your credit score. Lenders may perform credit checks later if you choose to progress.

What’s the minimum loan size you can help with?

We typically arrange facilities from around £10,000 upwards. If you need a smaller amount, please still complete the form and we’ll advise if a suitable partner exists.

Do I need a detailed refurbishment plan before enquiring?

A basic cost estimate and an outline plan (quotes from contractors are ideal) will help secure accurate matches and quicker lender interest, but initial enquiries can be high level.

Can I use fit-out finance for multiple sites?

Yes. Many lenders support staged funding or multi-site rollouts — tell us the scope so we can match you to the right provider.

More questions? Submit a short enquiry and a specialist will be in touch: Start your Free Eligibility Check.

Ready to fund your fit-out?

Fast Business Loans connects UK businesses with brokers and lenders who specialise in commercial refurbishments. Our quick enquiry is free, confidential and non‑binding. Complete the short form now and we’ll match you with the best partners to discuss quotes and timings.

Get Started — Free Eligibility Check

Note: Fast Business Loans is an introducer; we do not lend or provide regulated financial advice. All finance is provided directly by lenders and brokers and is subject to their terms and approval.

1) How quickly can I access fit-out funds?
After you submit our quick enquiry (not an application), a matched broker or lender usually contacts you within hours, with some unsecured deals completing in days and larger secured facilities taking longer.

2) What’s the minimum loan size you can help with?
Our panel typically arranges fit-out finance from around £10,000 upwards, with larger amounts available subject to status and security.

3) Will submitting an enquiry affect my credit score?
No—our enquiry is for matching only and won’t affect your credit score; any credit checks happen later if you choose to proceed with a lender.

4) What can I use fit-out finance for?
You can fund fixtures and fittings, décor and finishes, counters, flooring, lighting, specialist ventilation/extraction, furniture and professional installation costs.

5) Do I need security, or can I get an unsecured business loan for a fit-out?
Many projects can be funded with unsecured business loans, while larger or equipment-heavy refits may suit secured loans, asset finance, hire purchase or leasing.

6) How much does fit-out finance cost and how are repayments structured?
Costs vary by product, term and security, so compare total cost (interest, fees and any early repayment charges) and align repayments with your cashflow.

7) What documents will lenders ask for?
Typically 3–6 months of business bank statements, recent accounts, quotes/invoices for works, company details, and director ID/proof of address.

8) Do you help start-ups or businesses with imperfect credit?
Yes—some partners consider start-ups or firms with weaker credit, depending on sector, turnover and the strength of your plan and documentation.

9) Can I finance both building works and equipment in one project?
Yes—many lenders support combination solutions (e.g., unsecured loans for décor plus asset finance for equipment).

10) How does Fast Business Loans work, and is it free?
You submit a free, no‑obligation enquiry, we match you with suitable UK lenders/brokers who discuss options and pricing, and you decide whether to proceed.