Fit-Out Finance for UK Businesses: Fast Quotes via Trusted Lenders
Summary: Need quick, responsible funding to renovate, refurbish or fit out a shop, office, restaurant or clinic? Fast Business Loans doesn’t lend — we match your limited company with specialist lenders and brokers who can provide fit-out finance from £10,000 upwards. Complete a short enquiry and get a free eligibility check so partners who understand your sector can contact you with tailored quotes. Get Started – Free Eligibility Check
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.
Why fit-out finance matters for UK SMEs right now
Renovation and fit-out costs have risen, tenant expectations are higher and the customer experience can make or break footfall. A strategic refit can boost revenue, reduce running costs (think energy efficient systems) and make your business more competitive. But funding a professional fit-out from retained profits can stall plans — that’s where specialist fit-out finance helps.
Want to see how much you could borrow today? Free Eligibility Check — it takes under two minutes and won’t affect your credit score.
What is fit-out finance?
Fit-out finance covers funding to deliver Cat A and Cat B works, refurbishments and refits to commercial premises. In plain terms:
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.
- Cat A: basic finishes and mechanical/electrical installation to make a space usable (e.g. lighting, ceilings, basic HVAC).
- Cat B: tenant-specific fit-out like partitions, joinery, bespoke reception desks, kitchens, seating and décor.
Typical uses include flooring, M&E upgrades, kitchen and bar equipment, furniture, signage, accessibility works and compliance upgrades. If you’d like a tailored comparison of solutions for your project, Check My Fit-Out Funding Options.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Common fit-out projects we help fund
We match businesses across multiple sectors with lenders who specialise in commercial refurb finance. Here are typical projects:
Retail & showrooms
Shop refits, display fixtures, bespoke shelving and POS systems—projects that increase conversion and average spend.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Hospitality, restaurants & bars
Kitchen fit-outs, bar installs, seating, external terraces and ventilation systems to meet regulatory standards.
Healthcare & clinics
Clinical rooms, waiting areas, specialist fixtures and compliance-related upgrades.
Offices & co-working
Open-plan remodelling, meeting rooms, M&E improvements and ergonomic furniture for productivity.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Need something bespoke? We can introduce you to partners for multi-site programmes or phased rollouts. Get Tailored Fit-Out Quotes.
Fit-out finance options available via our panel
We don’t lend — we connect you with brokers and lenders who offer a full range of products. Below is a quick comparison to help you decide which route to explore.
| Product type | Typical amount | Term | Security | When it suits |
|---|---|---|---|---|
| Unsecured business loan | £10k – £250k+ | 1–5 years | None or personal guarantee | Quick small-to-medium fit-outs without using assets |
| Asset finance (fixtures & fittings) | £10k – £1m+ | 2–7 years | Secured on assets | Fit-out equipment and furniture with predictable depreciation |
| Hire purchase / lease | £10k – £500k | 2–7 years | Asset-secured | Preserve cashflow; options to own at term end |
| Merchant cash advance | £10k – £250k | Short-term | No asset security | Hospitality/retail with strong card takings needing fast cash |
| Bridging / short-term loan | £25k – £5m | Days–months | Property-secured | Urgent works ahead of longer-term refinance |
Each product has pros and cons. Our partners can explain fees, APRs and suitability — Get Quote Now.
How Fast Business Loans works
Here’s our simple 4-step process:
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.
- Enquiry: you complete a short form with project and business details (2 minutes).
- Matching: we match your requirements to lenders/brokers who specialise in fit-outs.
- Response: partners contact you with eligibility, indicative rates and next steps — usually within hours.
- Decision: compare offers and proceed directly with the lender or broker you choose.
Soft checks are used at enquiry stage so you can explore options without impacting your credit file. Ready to start? Free Eligibility Check.
Fit-out finance eligibility snapshot
Eligibility varies by lender, but common criteria include:
- Business type: limited companies, LLPs and trading entities (no sole traders or professional-only funding routes through us).
- Minimum project value: typically from £10,000 upwards.
- Trading history: many lenders accept 12+ months; specialist panels may consider shorter trading history for strong propositions.
- Turnover & profitability: depends on lender; brokers can help package weaker years with strong project forecasts.
- Landlord consent / planning: required for structural or change-of-use works—some lenders will need evidence.
Not sure if you qualify? Start Your Free Eligibility Check and we’ll match you to the right partner.
What documents lenders usually ask for
Preparing these in advance speeds approval:
- Recent management accounts (last 12 months) — why: shows trading performance.
- Business bank statements (3–6 months) — why: proves cashflow.
- Signed fit-out quotes, drawings or schedules of works — why: validates project cost.
- Landlord consent or lease summary — why: confirms permitted works.
- Cashflow forecast for the next 6–12 months — why: demonstrates repayment capacity.
Don’t have everything now? No problem — you can Upload Info Later – Start Enquiry in 2 Minutes.
Fit-out finance costs & rates – what to expect
Rates depend on the product, term, security and credit profile. Expect:
- Unsecured loans: higher rates than secured options, but faster decisions.
- Asset-secured finance: typically lower margin for similar loan sizes.
- Short-term bridging: higher costs but solves urgent timing gaps.
Additional fees can include arrangement fees, broker fees and valuation/legal costs. We do not set rates — our partners provide tailored quotes. If you’d like indicative ranges, Get Tailored Quotes.
Timeline: from enquiry to funded fit-out
Typical timelines (subject to documentation and product):
- Hours: initial partner contact after your enquiry.
- 2–7 days: indicative offers and documentation checklist.
- 7–21 days: lender due diligence, legal work and drawdown for unsecured or asset finance.
- 2–6 weeks+: secured property-based funding or multi-site programmes.
Many businesses hear from a matched lender within hours. Ready to move quickly? Start Your Fit-Out Finance Enquiry.
Why businesses choose Fast Business Loans for fit-out funding
- Specialist panel: lenders and brokers experienced in commercial fit-outs.
- Speed: quick matching and fast partner responses.
- Sector knowledge: hospitality, retail, healthcare and office experience.
- Flexible amounts: from £10,000 up to multi-million projects via specialist partners.
- Transparent process: no cost to enquire and clear next steps.
- Time-saving: one short form connects you to multiple prospects.
Our role is to introduce you; lenders/brokers you’re matched with will provide the full terms. Curious? Get Quote Now.
Mini case snapshots
Retail boutique — £75,000 revamp
Challenge: outdated shop layout reducing sales. Solution: unsecured loan introduced via our panel. Outcome: new layout increased conversion by 18% within 3 months.
Café chain — £120,000 multi-site refit
Challenge: inconsistent brand presentation across 4 sites. Solution: asset finance + hire purchase to stage works. Outcome: consistent fit-out delivered with manageable monthly payments.
Dental clinic — £200,000 Cat B fit-out
Challenge: specialist equipment and construction costs. Solution: secured commercial loan arranged via a broker on our panel. Outcome: clinic opened on schedule and increased capacity by 40%.
Want your project featured? Start an enquiry: Free Eligibility Check.
Fit-out finance vs paying cash: pros & cons
Finance advantages
- Preserve working capital for day-to-day operations.
- Spread cost of fit-out over useful life of assets.
- Access to larger projects sooner.
Cash considerations
- No interest or finance fees if you have sufficient reserves.
- But using cash may reduce liquidity and flexibility.
Deciding depends on your cash position and growth plans. Compare options quickly: Get Tailored Quotes.
Frequently Asked Questions
Will submitting a fit-out finance enquiry affect my credit score?
No. Fast Business Loans performs a soft eligibility check at enquiry stage and shares details with matched partners. Lenders may carry out a full credit search only if you progress with an offer.
What types of fit-out projects can be funded?
We can introduce funding for Cat A and Cat B office refits, hospitality refurbishments, retail shopfitting, healthcare clinics and other commercial spaces, subject to partner criteria.
How quickly can I receive fit-out finance?
Many businesses get initial partner contact within hours. Funding times depend on product and documentation — from a few days for unsecured lines to several weeks for secured deals.
Is there a minimum project value?
Our partners typically consider projects from £10,000 upwards. If your needs are smaller, we may still be able to help via equipment finance brokers.
Do I need landlord consent?
For structural works or lease alterations, landlord consent is usually required and lenders will expect to see evidence.
More questions? Start a no-obligation enquiry: Free Eligibility Check.
Ready to transform your space?
Fast Business Loans helps you find specialist lenders and brokers who understand fit-outs. Complete our short enquiry to receive fast, relevant quotes and move your project forward.
Important information & disclaimer
Fast Business Loans is an introducer — we do not lend or give regulated financial advice. Information provided on this site is for guidance only; eligibility, rates and terms are set by the lenders and brokers we introduce. We aim to be clear, fair and not misleading in our communications. For tailored financial advice, consider speaking to an independent adviser before committing to any product.
Privacy policy and terms of use are available from our website footer. By submitting an enquiry you agree we may share your details with selected partners to obtain quotes.
Also see our practical guide to fit-out finance for more detail on the products and real project examples.
– What is fit-out finance and what can it cover?
Fit-out finance helps UK businesses fund Cat A and Cat B works—such as M&E, partitions, furniture, signage, and kitchen/bar equipment—for shops, offices, restaurants and clinics.
– How does Fast Business Loans help with fit-out finance?
We’re not a lender; we use your quick enquiry to match your business with trusted UK lenders and brokers who provide tailored fit-out funding quotes fast.
– Does submitting an enquiry affect my credit score or count as an application?
No—it’s a soft eligibility check (not a loan application), and hard credit searches only occur if you decide to proceed with a lender.
– How much can I borrow for a fit-out and what’s the minimum project size?
Our partners typically fund from £10,000 up to multi-million fit-outs, subject to eligibility and product type.
– How quickly can I get fit-out finance?
You’ll usually hear from matched partners within hours, with funding in days for unsecured options and a few weeks for secured or property-backed facilities.
– What finance options are available for a shop, office or restaurant fit-out?
Options include unsecured business loans, asset finance, hire purchase/lease, merchant cash advances and bridging loans.
– Who is eligible—do you work with start-ups or sole traders?
We primarily match UK limited companies and LLPs (some lenders consider younger businesses), but we don’t route sole traders via this fit-out panel.
– What documents will lenders usually ask for?
Expect recent management accounts, 3–6 months’ bank statements, signed quotes/scope of works, landlord/lease details, and a 6–12 month cashflow forecast.
– Do I need landlord consent or planning permission to secure fit-out funding?
For structural or lease-altering works, lenders typically require evidence of landlord consent and any necessary planning approvals.
– What rates and fees should I expect for fit-out finance?
Pricing varies by product, term, security and credit profile—unsecured is usually pricier than asset-secured—and fees may include arrangement, broker and legal/valuation costs.