FINANCE OPTIONS

Compare ^Fit-Out ^Finance Options for £100k Projects

Q: How much can I borrow with 100k Fit-Out Finance?

Borrowing amounts generally range from £1,000 to £500,000. The specific amount you can access will depend on your business turnover, creditworthiness, trading history, and the details of your refurbishment project.

Q: What is the typical decision and funding timeline?

Decisions usually take between 3 to 14 days, with funds available 5 to 21 days after approval. The complexity of your fit-out project, the completeness of your application, and lender processes can affect these timescales.

Q: What are the interest rates and fees?

Interest rates typically range from 3% to 20% APR, depending on your business profile, the loan amount, and terms. Common fees include origination fees, possible late payment penalties, and early repayment charges.

Q: What are the main types of Fit-Out Finance?

The main types are Equipment Financing, Business Loans, and Lease Financing. Each type offers different eligibility criteria, amounts, terms, and is suitable for various refurbishment and fit-out needs.

100k Fit-Out Finance is a funding solution designed to help UK businesses cover the costs of fitting out or refurbishing their commercial premises. This finance supports growth by enabling access to capital needed for updates, whether revamping a retail space, upgrading office interiors, or installing new fixtures. With fit-out finance, businesses can enhance their environment without depleting cash reserves, preserving working capital for day-to-day operations and supporting long-term business goals.

Fit-Out Finance

Secure up to £1,000,000 in Fit-Out Finance with Funding Agent.

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Key ^Benefits of Fit-Out Finance

Fit-Out Finance provides valuable support to businesses looking to refurbish premises. It enables upgrades without tying up working capital, offers flexible repayment structures, and gives access to expert lender networks. Decisions are often made within two weeks, helping businesses achieve their refurbishment goals efficiently and affordably.

Enhance Premises

Preserve Working Capital

Flexible Repayment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Fit-Out Finance Types

Equipment Financing

Equipment Financing offers funding of £5,000 to £500,000, ideal for purchasing fixtures, fittings, and specialist equipment for refurbishment projects in retail, office, and hospitality sectors.

Equipment Financing

This option suits businesses with at least two years’ trading history and a good credit rating. Terms typically last 12 to 60 months, with APRs from 3% to 20%. The process involves an application, credit assessment, and approval, with funding available in one to two weeks. It is especially suitable for organisations looking to acquire industry-specific equipment without immediate capital outlay.

Business Loans

Business Loans range from £10,000 to £250,000, supporting a wide variety of fit-out activities including interior design, layout changes, and décor enhancements for limited companies and sole traders.

Business Loans

Available to UK limited companies, LLPs, and sole traders, these loans are based on your business turnover and credit status. Terms span 6 to 36 months, with APRs from 6% to 15%. Funding decisions are made within a week, following a straightforward application and evaluation process. Business loans are a popular option for broader refurbishment projects seeking efficient and flexible finance.

Lease Financing

Lease Financing covers fit-out costs up to £100,000 by spreading payments over 24 to 60 months, often used for tangible items like furniture and fixtures for business premises.

Lease Financing

Lease financing is suited for businesses wanting to avoid upfront equipment payments. Offering APRs typically from 5% to 12%, this type involves negotiating a lease agreement, securing approval, and acquiring the needed assets. Decision times are usually within two weeks, making it a practical option for managing cash flow while updating your venue’s fit-out elements.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Access Fit-Out Finance with Funding Agent

Apply Online

Complete an easy online application form, detailing your financial status and specific fit-out requirements to start the process.

Compare Offers

View and compare offers from a diverse panel of lenders, ensuring you choose terms that fit your business goals.

Receive Funds

After selecting your preferred offer, funds are released to enable you to begin your premises fit-out project swiftly.

Compare Fit-Out Finance Options

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with 100k Fit-Out Finance?

What is the typical decision and funding timeline?

What are the interest rates and fees?

What are the main types of Fit-Out Finance?

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January 23, 2026

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Compare ^Fit-Out ^Finance Options for £100k Projects

Key ^Benefits of Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Fit-Out Finance Types

Equipment Financing

Equipment Financing

Business Loans

Business Loans

Lease Financing

Lease Financing

Typical Funding Journeys on Funding Agent