Compare ^{Shop Fit-Out Finance} Options for Retail Stores

For businesses looking to undertake significant shop renovations or invest in premium equipment, a Secured Business Loan provides the necessary capital. You’ll need to supply a detailed business plan and information on the asset you’re using as collateral. Approval can take 2 to 3 weeks, and rates range from 5% to 15% APR, with flexible terms up to 60 months. This type suits department stores or larger retail outlets planning major upgrades.

If your business has traded for at least two years and maintains a strong credit profile, an Unsecured Business Loan can fund shop refreshes, mid-range fixtures, or stocking needs. Decisions are typically made within a week, with terms from 6 to 36 months and rates between 8% and 25% APR. Suitable for local shops and independent retailers wanting quick, asset-free funding for less intensive fit-outs.

Asset Finance is suitable for acquiring tangible shop items—such as display cases or refrigeration units—by leasing the asset instead of paying upfront. Typical amounts range from £10,000 to £250,000 and approval can be as quick as two weeks. This route is popular with grocery, technology or pop-up shops and ensures capital is kept available for day-to-day operational needs.