FINANCE OPTIONS

Compare Shop Fit-Out Finance Options for UK Retailers

150k Shop Fit-Out Finance gives UK retailers access to the funding required for renovating, refurbishing, or upgrading their shops. This type of finance is tailored to meet the needs of retail businesses looking to enhance customer experience and streamline operations. With the right funding, shops can remain competitive, adapt to changing trends, and fulfil essential operational or branding requirements quickly and efficiently.

Shop Fit-Out Finance

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

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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Key Benefits of Shop Fit-Out Finance

Shop Fit-Out Finance delivers targeted funding for retail improvements, offering more than just upfront capital. Flexible loan types, competitive rates between 5% and 12% APR or factor rates of 1.1 to 1.5, and decisions in as little as three days for some products support timely business moves and growth initiatives.

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Enhance Store Image
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Boost Customer Experience
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Support Growth Plans

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types of Shop Fit-Out Finance

Business Loan

A traditional lump-sum business loan ranging from £5,000 to £500,000, repaid over 12 to 60 months at typical rates of 6% to 12%. Suited for major refurbishments and layout redesigns.

Business Loan

Business loans provide retailers with a straightforward way to access capital for significant fit-out projects. Eligible for UK registered retail businesses with at least one year’s trading history, the approval process includes submitting financial statements and undergoing a credit assessment. Funding can cover projects such as rebranding, shop extensions, or entirely new store fittings, with decisions typically within 1 to 2 weeks.

Asset Finance

Asset finance enables you to buy fixtures, fittings, or new shop equipment costing between £10,000 and £1,000,000 over terms from 24 to 84 months. Secured against the assets and typically with rates from 5% to 10% per annum.

Asset Finance

With asset finance, retail businesses can spread the cost of essential shop equipment, like shelving, counters, or display technology. This option reduces upfront expenditure, supporting cash flow and ownership at the end of the term. Arrangement is usually handled between supplier and financier, with most applications processed in 2 to 3 weeks for qualifying UK businesses with demonstrable cash flow.

Merchant Cash Advance

Merchant cash advance supplies £5,000 to £300,000 quickly, repaid through a share of daily card sales. Suitable for rapid upgrades or emergency repairs, with decisions possible in 3 to 5 days.

Merchant Cash Advance

This type of finance is ideal for retailers who handle regular card transactions. After submitting merchant statements, funds are advanced, then repaid as a fixed percentage of daily sales until settled. Factor rates range from 1.1 to 1.5. It’s well suited to shop owners managing seasonal renovations or urgent fit-out needs, particularly where turnover fluctuates.

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

Apply Through Funding Agent

Start Your Application

Visit the Funding Agent website, select the online application form, and provide your business’s key information to begin your search.

Discover Loan Options

Browse potential lenders and review tailored finance offers based on your business’s profile and needs.

Complete Documentation

Upload your financial statements, refurbishment plans, and ID. Once approved, finalise the agreement and access your funds.

Compare Shop Fit-Out Finance Options

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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.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

What is the typical borrowing range for shop fit-out finance?
How fast can I get a decision and secure funds?
What are the typical rates and fees for shop fit-out finance?
Are there specific regulations for retail shop fit-outs?

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