Compare ^{Shop Fit-Out Finance} for the Retail Sector

Equipment financing helps UK retail businesses purchase essential fit-out assets including shelving, counters, and tills. Eligibility generally requires a UK-based business with at least six months' trading history and a solid business plan. Lenders may offer between £1,000 and £500,000 over 12 to 60 months, with rates from 3% to 15% APR. Decision times can be as fast as one to three days—ideal for efficient store upgrades.

Unsecured business loans allow SMEs to finance broader fit-out projects, from redecorating to signage, without needing to provide assets as security. To qualify, your business should have at least one year of trading, stable cash flow, and a solid credit score. Borrow between £5,000 and £250,000 over 6 to 36 months, with rates typically from 6% to 30% APR. Decisions are usually made in one to five business days.

Asset refinancing is suitable for established retailers with valuable equipment or property to use as collateral. This approach allows you to unlock funds for new refurbishment projects, with loan values from £10,000 to £1,000,000 and terms of 12 to 60 months. Typical rates range from 4% to 15% APR, with five to ten days for a funding decision after asset valuation and agreement.