Compare ^{Shop Fit-Out Finance} Up To £400k For Retail Businesses

With asset finance, you can secure funds for specific assets such as shelving or EPOS systems. Lenders assess your business plan and asset value, offering competitive rates from 5% to 15% APR. Retailers like clothing stores and supermarkets often use this route to maintain modern shopfronts without tying up cash. Approval takes one to three weeks, and repayment terms can be tailored to suit your cash flow and plans.

These loans require a robust business plan and sound financial statements. Used for major works such as flooring, lighting, and display systems, commercial loans help retailers achieve cohesive branding. Decision times are around two to four weeks, with rates typically from 3% to 10% APR. This is ideal for grocery stores, boutiques, and home goods retailers tackling comprehensive refurbishments.

Often used by pop-up shops and seasonal retailers, bridging loans enable fast turnarounds on fit-outs when longer-term finance is not yet secured. These are secured loans with higher rates of 0.5% to 1.5% per month. Lenders require proof of an exit strategy, such as future refinancing, and swift application processes help retailers move quickly when opportunities arise.