Compare ^{Shop Fit-Out Finance} Options For Retailers

A secured business loan is suited for major shop refurbishments or structural changes, with amounts ranging from £50,000 to £1 million. Approval involves asset assessment, a solid business plan, and the use of collateral such as property or equipment. Terms are generally 12 to 60 months, and rates usually fall between 4% and 10% APR. This route benefits retailers aiming for premium upgrades and large-scale improvements.

With borrowing from £5,000 to £250,000 available over 6 to 36 months, unsecured loans help independent shops, franchises, or smaller retailers update interiors and buy fittings. Approval is based on creditworthiness and business income, with typical interest rates from 6% to 20% APR. Decisions are often made within a few days, making this suitable for smaller or time-sensitive projects.

Ideal for retailers who need to purchase new IT systems, security setups, or shop displays, asset finance allows funding from £10,000 to £500,000 over 12 to 48 months. After selecting assets and submitting a business viability assessment, regular repayments are structured based on asset value. Interest typically ranges from 3% to 15% APR, and funds are accessible in about a week.