FINANCE OPTIONS

Compare ^Fit-Out ^Finance For Restaurants Up To £1m

Q: What is the typical borrowing range for restaurant fit-out finance?

Loan amounts for restaurant fit-out finance commonly range from £5,000 to £1,000,000, with the amount determined by your business’s credit score, turnover, project requirements, and asset value.

Q: How long does it take to get approval and funding?

Simple applications, such as unsecured loans, may be approved within 2 to 5 days, while larger or secured options could take up to 4 weeks. Funding can be released as quickly as 2 days post-approval for straightforward cases.

Q: What interest rates and fees apply to fit-out finance?

Interest rates typically range from 3% to 20% APR. Additional fees may include arrangement fees, legal costs for secured loans, and early repayment charges. Rates and fees depend on creditworthiness, project size, and loan term.

Q: Which types of fit-out finance are available for restaurants?

Common types include equipment leasing, unsecured business loans, and commercial mortgages. Each is designed to meet different needs, such as leasing kitchen equipment, funding refurbishments, or purchasing new premises.

1m Restaurant Fit-Out Finance gives UK restaurants the dedicated funding needed to design, refurbish, or upgrade their premises. This form of finance supports everything from new interiors to specialist kitchen equipment, enabling restaurants to achieve their vision without straining cash reserves. By accessing fit-out finance, restaurants can improve their ambiance and operations, helping them attract more customers and deliver a better dining experience. Funding Agent helps your business compare options from multiple lenders to find a suitable fit-out solution.

Fit-Out Finance

Secure up to £1,000,000 in 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 Restaurant Fit-Out Finance

Restaurant fit-out finance provides capital for essential upgrades and refurbishments without draining your existing resources. With tailored funding solutions, your business can take on new projects or revamp existing spaces more efficiently while retaining financial flexibility. Approval times and rates are based on your project and business profile.

Enhance Business Premises

Preserve Cash Flow

Support Expansion

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types Of Restaurant Fit-Out Finance

Equipment Leasing

Equipment leasing lets restaurants lease key kitchen appliances rather than buying them outright. Eligibility criteria include at least 6 months’ trading history and a sound business plan.

Equipment Leasing

Through equipment leasing, a lender buys equipment such as ovens or refrigerators and leases it to your restaurant. This option typically provides between £5,000 and £500,000 funding, with terms from 12 to 60 months and rates from 3% to 15% APR. Approval is usually in 1 to 2 weeks, enabling efficient upgrades for both new and growing restaurants while protecting cash reserves.

Unsecured Business Loan

This option delivers quick cash for restaurant makeovers or refurbishments without the need for security. Profitable restaurants with at least a year’s trading history may qualify.

Unsecured Business Loan

An unsecured business loan is ideal for businesses seeking £10,000 to £250,000 over 6 to 36 months. Applications require financial statements and are typically processed within 2 to 5 business days. Interest rates range from 6% to 20% APR. This option is suited for independent or family-run restaurants needing to fast-track refurbishments or relocations.

Commercial Mortgage

A commercial mortgage supports the purchase and fit-out of new restaurant premises. Suitable for established restaurants with proven trading histories.

Commercial Mortgage

Providing £50,000 to £1,000,000 over longer terms of 60 to 300 months, a commercial mortgage is used for buying property or large-scale refurbishments. Interest rates range from 3% to 8% APR, with decision times between 4 to 8 weeks. Applications involve thorough reviews of the business plan, property, and trading records, making it best for expansion-focused restaurants or chain operators.

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 Secure Fit-Out Finance

Assess Your Needs

Use our platform to determine the exact funding required to achieve your restaurant’s fit-out goals, based on your plans and online application form and budget.

Compare Offers

Review financing offers from a broad lender panel and select terms that best fit your restaurant’s financial position and project ambition.

Submit Application

Send your chosen application and supporting documents through Funding Agent, and we’ll coordinate next steps with your selected lender.

Compare Restaurant 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

What is the typical borrowing range for restaurant fit-out finance?

How long does it take to get approval and funding?

What interest rates and fees apply to fit-out finance?

Which types of fit-out finance are available for restaurants?

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November 27, 2025

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Compare ^Fit-Out ^Finance For Restaurants Up To £1m

Key ^Benefits Of Restaurant Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types Of Restaurant Fit-Out Finance

Equipment Leasing

Equipment Leasing

Unsecured Business Loan

Unsecured Business Loan

Commercial Mortgage

Commercial Mortgage

Typical Funding Journeys on Funding Agent