FINANCE OPTIONS

Compare ^Shop ^Fit-Out ^Finance Options for Retail Businesses

Q: How much can I borrow for a shop fit-out?

Retailers can typically secure between £5,000 and £1,000,000, depending on business turnover, available collateral, and overall credit history. Larger, secured loans allow for bigger projects, while smaller, unsecured or asset finance options suit minor refurbishments.

Q: How long does the application process take?

Most initial decisions take 2 to 5 business days after submitting your documentation, with full funding available in 1 to 3 weeks. Timelines may vary depending on funding type, lender caseload, and completeness of your application.

Q: What interest rates are available?

Interest rates range from 3% to 15% APR. Your rate will depend on whether the loan is secured or unsecured, your credit profile, the loan amount, and the specific lender’s criteria. Additional fees may also apply.

Q: What types of finance can I use for a shop fit-out?

You can choose from secured business loans for major projects, unsecured business loans for smaller updates, or asset finance for buying specific fixtures and equipment. Eligibility and borrowing limits differ for each product, so select the one that aligns with your needs and business circumstances.

800k Shop Fit-Out Finance is designed specifically for retail businesses needing to fund new store fit-outs or major refurbishments. It provides accessible, flexible funding tailored for projects where large-scale updates or total shop overhauls are required. This type of finance helps retailers spread the costs of enhancing their premises and offers access to funding essential for business growth, customer experience improvements, or expanding locations. Retailers opt for shop fit-out finance to stay competitive and maintain a fresh, attractive store environment while managing cash flow sensibly.

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 retail businesses tailored solutions for store upgrades and expansions. Benefit from swift decision times, flexible collateral arrangements, and competitive interest rates aligned with your credit profile, loan size, and type. This finance is accessible and adapts to a wide range of retail refurbishment needs, often delivering funding within weeks so you can complete projects efficiently.

Tailored Retail Support

Flexible Collateral Options

Fast Access to Funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Shop Fit-Out Finance Available

Secured Business Loan

A secured business loan allows established retailers to borrow larger amounts, typically from £50,000 to £1,000,000, secured against business assets. Repayment terms range from 12 to 60 months, with interest rates from 4% to 8% APR.

Secured Business Loan

For significant refurbishments or complete shop fit-outs, secured business loans provide the highest borrowing capacity. Eligibility requires at least two years of trading and collateral, such as property or equipment. The process includes valuation of these assets before an offer is made. While approval takes 1 to 3 weeks, this longer timeline supports thorough checks and can accommodate extensive retail projects such as major layout changes and full refurbishments.

Unsecured Business Loan

Unsecured business loans are suitable for smaller shop upgrades, requiring no assets as security. Borrow £10,000 to £250,000, with terms of 6 to 36 months and rates from 6% to 15% APR.

Unsecured Business Loan

Ideal for quicker cosmetic updates, furniture replacement, or minor upgrades, unsecured loans require only 1 year of trading and a business turnover of £100,000 or more. The straightforward application and fast decisions—sometimes within 48 hours—make this a practical solution for independent retailers and boutiques seeking prompt funding for essential improvements or seasonal refurbishments.

Asset Finance

Asset finance enables retailers to acquire crucial equipment or fixtures without large upfront costs. Borrow £5,000 to £500,000, repaid over 12 to 60 months at 3% to 10% APR.

Asset Finance

If you need to purchase specific assets—such as shelving, displays, or specialised fittings—asset finance allows you to spread payment over time. No minimum trading history is required, and finance is secured against the purchased item itself, making it accessible to a wide range of retailers. Approval is typically within a week, supporting quick shop enhancements and the acquisition of equipment that strengthens shop functionality and layout.

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 Apply for Shop Fit-Out Finance With Funding Agent

Submit Online Form

Provide basic business and fit-out project details by completing the online application form, including anticipated costs and your key objectives, to begin the lender match process.

Compare Offers

Receive customised offers from multiple lenders, allowing you to review terms, repayment structures, and rates that suit your retail business.

Select and Finalise

Choose the offer that aligns best with your project. Finalise documentation and quickly move to approval and funding so your fit-out can get underway.

Compare Shop 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

How much can I borrow for a shop fit-out?

How long does the application process take?

What interest rates are available?

What types of finance can I use for a shop fit-out?

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March 9, 2026

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Compare ^Shop ^Fit-Out ^Finance Options for Retail Businesses

Key ^Benefits of Shop Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Shop Fit-Out Finance Available

Secured Business Loan

Secured Business Loan

Unsecured Business Loan

Unsecured Business Loan

Asset Finance

Asset Finance

Typical Funding Journeys on Funding Agent