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

This option bridges the gap between immediate fit-out needs and available cash. Asset finance involves a UK-registered business with at least 6 months of trading history and a healthy credit profile. Typical amounts range from £10,000 to £500,000 over 12 to 60 months, with rates from 3% to 15% APR. The lender purchases assets, such as shelving or POS systems, and you pay in instalments—helpful for fashion, coffee, or specialty shops that require significant refurbishment.

This financing is ideal for businesses with a robust annual turnover (typically over £100,000) and strong credit history. Amounts range from £5,000 to £250,000, typically over 6 to 36 months, with competitive rates from 7% to 20% APR. Quick decisions—often in one to three days—mean funds can be used for renovations, marketing campaigns, or hiring staff. It suits boutiques, pet shops, or supermarkets lacking assets for security.

Best suited to retailers and hospitality outlets with regular card sales over £5,000 per month, this option lets you borrow £5,000 to £200,000, with repayments linked to card income. The typical period is 3 to 12 months, with factor rates between 1.2 and 1.5. Approvals take 2 to 5 days, making it suitable for quick retail upgrades such as visual merchandising or seasonal preparations, giving added flexibility for cafes, salons, or restaurants.