FINANCE OPTIONS

Compare Shop Fit-Out Finance Options for UK Retailers

600k Shop Fit-Out Finance provides dedicated funding to cover the costs of transforming your retail environment. Whether you’re refurbishing an existing store, expanding to a new location or updating layouts, this type of finance enables UK retailers to invest in construction, design, fixtures, and fittings. Securing appropriate funding helps create an attractive and functional space, aiming to increase customer retention and sales while building long-term value for your business.

Shop Fit-Out Finance

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

Shop Fit-Out Finance offers a practical solution for upgrading your retail premises. With access to amounts from £10,000 up to £5 million, retailers can finance both minor improvements and large-scale refurbishments. Flexible use cases and competitive decision times support your business ambitions and help optimise store performance.

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Flexible Use Cases
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Enhance Competitiveness

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types of Shop Fit-Out Finance

Secured Business Loan

Suitable for established retailers with assets to secure the loan, offering larger amounts and longer terms for major shop refurbishments.

Secured Business Loan

A secured business loan lets retailers borrow from £50,000 to £5,000,000 over 12 to 84 months, typically at 3% to 12% APR. The application includes asset valuation and a review of business financials. Decision times range from 2 to 4 weeks. This option supports extensive projects for department stores or large retail chains with valuable assets.

Unsecured Business Loan

Best for retail businesses seeking quick funding for minor or moderate shop improvements, without pledging collateral. Unsecured business loans offer flexibility without asset requirements.

Unsecured Business Loan

Unsecured business loans provide £10,000 to £500,000 for established retailers (trading over 1 year) with strong credit and cash flow. Repayment terms are 6 to 60 months, and interest rates generally range from 6% to 20% APR. Decisions are typically made in 1 or 2 weeks, making this suitable for boutiques or independent retailers needing swift upgrades.

Asset Finance

Allows retailers to spread the cost of specific equipment or fittings—ideal for technology upgrades or store fixtures. Asset finance solutions can be tailored to suit these needs.

Asset Finance

Asset finance supports purchases of display units, shelving, or other equipment necessary for your shop. Typically available from £5,000 to £500,000, with 12 to 60-month terms and rates from 5% to 15% APR. Application is asset-focused with repayment tied to asset value. Funds can be made available within 1 to 2 weeks.

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

Applying for Shop Fit-Out Finance with Funding Agent

Complete Our Form

Fill in our simple online application form with details about your retail business and your planned shop fit-out. This helps us understand your needs and begin matching you with lenders.

Review Options

We present shop fit-out finance options tailored to your requirements and eligibility, making it easy to compare terms and rates before deciding.

Receive Funds

Once approved by your chosen lender, funds are transferred so you can commence your shop fit-out or refurbishment without unnecessary delays.

Compare Shop 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.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

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What are the usual shop fit-out finance rates?
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