FINANCE OPTIONS

Compare ^Fit-Out ^Finance Options For £1m Projects

Q: What amounts can I borrow with Fit-Out Finance?

You can borrow from £1,000 up to £500,000, depending on your business’s size, credit profile, and the type of Fit-Out Finance you choose. Some facilities are better suited for larger sums, while others accommodate smaller projects.

Q: How quickly can I access funds for a fit-out?

Decision times vary by product: approvals may be possible in as little as one day or take up to four weeks. After approval, funds could be available in 2 to 6 weeks depending on the lender and completeness of your application.

Q: What are the typical interest rates and fees?

Interest rates generally range from 3% to 30% APR, influenced by credit checks, business history, and the finance type. Additional charges may include arrangement fees or early repayment costs, depending on the lender’s terms.

Q: What types of Fit-Out Finance are available?

The main types are Asset Finance, Unsecured Business Loans, and Short-Term Business Loans. Each type serves different business needs based on security, approval speed, and project scale.

1m Fit-Out Finance offers UK SMEs access to capital needed to refurbish, redesign, or equip business premises. This financial solution helps businesses improve workspace functionality, enhance brand image, or tailor properties to precise requirements. Fit-Out Finance may be used for renovations, new fixtures, or equipment upgrades without draining existing working capital. Many businesses turn to fit-out solutions to create an environment that supports staff productivity, attracts customers, and reflects their brand’s ambitions.

Fit-Out Finance

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

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Loan disbursed within 24 hours
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Why Choose Fit-Out Finance?

Fit-Out Finance can provide vital capital for workspace refurbishments and improvements. By spreading costs, businesses can enhance premises and operations without putting pressure on cash flow. Approval times and rates vary by solution, ensuring there’s a fit for urgent, strategic, or flexible needs.

Renovation Funding

Quality Upgrades

Flexible Options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Fit-Out Finance

Asset Finance

Asset finance provides funding from £5,000 to £500,000 for fit-out purchases like furniture and equipment. Usually, the assets serve as collateral. Approval typically takes up to a week and terms run from 12 to 72 months.

Asset Finance

Asset finance suits businesses ready to invest in fixtures or equipment essential for their operations. A minimum 12-month trading history and strong credit are often needed. The process involves a lender assessing both the asset and business, which then allows for refurbishing and upgrading without compromising cash reserves. It suits sectors such as retail and hospitality and lets companies expand or upgrade efficiently.

Unsecured Business Loan

Unsecured business loans let businesses borrow £10,000 to £250,000 for fit-out works, without needing assets as security. Decisions can take up to 4 weeks, with repayment over 1 to 5 years.

Unsecured Business Loan

Ideal for businesses tackling general refurbishments, unsecured loans require a good credit track record, at least two years of trading, and a robust business plan. After submitting financials and a fit-out proposal, the lender assesses the risks. This option preserves existing assets and can support consultancies, agencies, and SMEs in leased offices seeking to improve their premises.

Short-Term Business Loan

Short-term business loans are useful for urgent fit-out needs or quick renovations, lending between £1,000 and £100,000 over 3 to 18 months. Funds can be available within days.

Short-Term Business Loan

Businesses with at least six months’ trading history can apply for quick funding with minimal paperwork. Lenders focus on revenue projections and overall financial health. This option is suited for pop-up ventures, restaurants, or retailers needing fast, flexible finance to meet operational deadlines and changes.

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 Apply With Funding Agent

Select Finance Option

Browse fit-out finance choices on Funding Agent using the online application form to identify the best match for your business’s project scale and commercial needs.

Complete Application

Fill out a short form and submit essential financial information, including your fit-out plan and credit history, to begin the process.

Get Funded

Receive an approval decision and, if successful, gain access to the capital required to launch your fit-out initiative.

Explore 1m 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.

FAQ’S

What amounts can I borrow with Fit-Out Finance?

How quickly can I access funds for a fit-out?

What are the typical interest rates and fees?

What types of Fit-Out Finance are available?

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August 28, 2025

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Compare ^Fit-Out ^Finance Options For £1m Projects

Why Choose Fit-Out Finance?

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Fit-Out Finance

Asset Finance

Asset Finance

Unsecured Business Loan

Unsecured Business Loan

Short-Term Business Loan

Short-Term Business Loan

Typical Funding Journeys on Funding Agent