FINANCE OPTIONS

Compare ^Fit-Out ^Finance For Restaurants Up To £850k

Q: What is the typical borrowing range for restaurant fit-out finance?

Funding amounts generally range from £10,000 up to £850,000, depending on the finance product, your business’s credit status, revenue, and the value of any assets used as security.

Q: How long does it take to get restaurant fit-out finance approved?

Initial decisions are usually made within one to three weeks, with funds released a further one to two weeks following approval, provided all documentation is complete.

Q: What are the interest rates for restaurant fit-out finance?

Typical annual rates range from 3% to 20% APR, with the exact rate based on your business credit score, the amount borrowed, and chosen repayment terms.

Q: What types of fit-out finance are available to restaurants?

Main options are equipment leasing, business loans, and asset refinance—each with different eligibility criteria, funding ranges, and repayment structures for restaurant needs.

850k Restaurant Fit-Out Finance provides targeted funding for UK restaurants to equip, furnish and enhance their premises. This finance helps cover costs like interior design, fixtures, kitchen equipment, and technology, making it possible to upgrade or open new restaurant locations. Using this type of funding allows businesses to improve their facilities and stay competitive without draining working capital. Restaurant fit-out finance is designed to support expansion, refurbishments, and adapting to evolving industry standards.

Fit-Out Finance

Secure up to £1,000,000 in Fit-Out Finance with Funding Agent.

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Loan disbursed within 24 hours
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Key ^Benefits Of Restaurant Fit-Out Finance

Fit-out finance is specifically tailored to address the challenges of upgrading and expanding restaurant premises. With clear and predictable payment terms, it enables restaurants to invest in aesthetics and efficiency, while protecting day-to-day cash flow. Decisions are typically made within one to three weeks, streamlining project planning and implementation.

Improve Facilities

Fixed Monthly Payments

Maintain Cash Flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types Of Fit-Out Finance For Restaurants

Equipment Lease

Lease kitchen and restaurant equipment without major upfront costs. Suitable for businesses with at least one year’s trading history and good credit.

Equipment Lease

Equipment leasing enables restaurants to access essential appliances and technology by paying over 24 to 60 months. Funding from £10,000 to £500,000 is available, typically at 3% to 10% APR. The application process involves submitting your financials, receiving approval, and choosing the required assets; lease agreements are then signed to commence use. This helps restaurateurs manage cash flow and stay technologically up to date.

Business Loan

Finance large-scale renovations or complete interior makeovers. Ideal for restaurants trading two years or more, with strong revenue and fair credit.

Business Loan

Business loans provide lump-sum funding between £50,000 and £850,000, with repayment terms from 12 to 84 months and rates typically between 6% and 20% APR. After submitting your application and financial records, a lender assesses your credit, presents an offer, and releases funds upon acceptance. These loans are suited to major projects that will set your restaurant apart and enable compliance with regulations.

Asset Refinance

Release capital from existing kitchen equipment or restaurant assets without the need to sell, suitable for businesses operating over a year.

Asset Refinance

Asset refinance lets restaurants leverage owned equipment as collateral to access £10,000 to £500,000, with terms between 6 and 36 months and rates from 5% to 15% APR. The process starts with valuation of your assets, followed by credit checks and agreement of terms. This option supports refurbishments or new purchases, providing liquidity while you retain use of your valued equipment.

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 Secure Fit-Out Finance With Funding Agent

Assess Needs

Review your restaurant’s requirements and identify the funding amount needed for your fit-out or refurbishment project using our online application form.

Complete Application

Fill out Funding Agent’s online form and upload key business documents—such as your business plan and financial statements—for lender review.

Choose Lender

Compare tailored offers from Funding Agent’s panel of UK lenders and select the most suitable finance option for your restaurant.

Compare Restaurant 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.

FAQ’S

What is the typical borrowing range for restaurant fit-out finance?

How long does it take to get restaurant fit-out finance approved?

What are the interest rates for restaurant fit-out finance?

What types of fit-out finance are available to restaurants?

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UK Asset Finance Statistics: How SMEs Fund Equipment, Vehicles & Machinery

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Compare ^Fit-Out ^Finance For Restaurants Up To £850k

Key ^Benefits Of Restaurant Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types Of Fit-Out Finance For Restaurants

Equipment Lease

Equipment Lease

Business Loan

Business Loan

Asset Refinance

Asset Refinance

Typical Funding Journeys on Funding Agent