FINANCE OPTIONS

Compare ^Fit-Out ^Finance Options Up To £900k

Q: How much can I borrow with 900k fit-out finance?

Businesses can borrow amounts between £5,000 and £900,000, depending on credit score, financial health, and available security for the loan.

Q: What are the typical approval timescales?

Initial approval usually takes 1 to 4 weeks. Funding is normally made available within 1 to 6 weeks after your application is approved.

Q: What interest rates and fees should I expect?

Rates typically range from 4% to 15% APR, with arrangement fees of 1-3% of the loan amount. Final rates depend on your business profile and loan details.

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

Options include unsecured fit-out loans, secured fit-out loans for larger amounts, and asset finance to support the leasing or purchase of equipment. All adhere to FCA regulations.

900k fit-out finance is designed for UK businesses needing significant funding to transform or upgrade commercial premises. This solution helps cover costs such as interior renovations, furniture, equipment, and technology. By accessing fit-out finance, businesses can undertake extensive improvements without draining working capital. With borrowing supported by a wide lender panel, fit-out finance can help you preserve cash flow, enhance premises, and drive growth in line with your operational needs.

Fit-Out Finance

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

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of 900k Fit-Out Finance

Fit-out finance enables your business to complete renovations and upgrades while effectively managing financial resources. With fixed or variable rates, clear approval timescales, and flexible terms, it can provide valuable backing for strategic improvements involving sums up to £900,000.

Enhance Premises

Cash Flow Management

Growth Support

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Fit-Out Finance

Unsecured Fit-Out Loan

Available for businesses with at least 1 year’s trading and a solid credit rating. Borrow £5,000 to £350,000 over 12 to 60 months, with decisions in 1 to 2 weeks.

Unsecured Fit-Out Loan

Unsecured fit-out loans cater to businesses seeking speed and flexibility, with no requirement for asset security. The process involves a credit check and review of business financials, making it suitable for rapid projects such as shop refurbishments or office rebrands. These loans work well for SMEs prioritising minimal collateral and swift access to funds.

Secured Fit-Out Loan

For larger projects, secure loans from £50,000 to £900,000 over 24 to 84 months. Lower rates reflect the use of assets as security.

Secured Fit-Out Loan

Secured fit-out loans are ideal for major renovations or long-term upgrades. Collateral is required, typically in the form of property or significant business assets. Asset valuation and detailed financial assessment are standard. You benefit from access to higher sums and lower rates, which suits extensive projects like factory refurbishments or sizeable office overhauls.

Asset Finance for Fit-Out

Finance or lease specific assets such as IT systems or office equipment, borrowing £10,000 to £500,000 over 12 to 60 months.

Asset Finance for Fit-Out

Asset finance for fit-out allows businesses to acquire or upgrade key equipment as part of a wider refurbishment. This can include hire purchase or leasing arrangements, providing flexibility if you are seeking to spread the cost of new technology and specialist fittings. Approval usually requires asset valuation, making it a good fit for established businesses focusing on capital 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 Access Fit-Out Finance Through Funding Agent

Check Eligibility

Ensure your business meets minimum criteria for fit-out finance, such as trading history and financial stability by completing our online application form. This helps match you with relevant options.

Complete Application

Upload your recent financial statements, business plan, and asset details if required using our secure portal. Accurate information speeds up the process.

Get Matched

We review your details and connect you with a panel of lenders offering tailored fit-out finance options up to £900,000.

Check 900k 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 with 900k fit-out finance?

What are the typical approval timescales?

What interest rates and fees should I expect?

What types of fit-out finance are available?

DIVE DEEPER

August 28, 2025

Choosing Between Asset Finance and a Business Loan in 2026

Struggling to decide between asset finance or a business loan? Learn which option suits your business needs in 2026 with a clear breakdown of cost, risk, tax, and speed.

August 26, 2025

Debt Financing Explained: Smart Ways to Fund Your Business Without Giving Up Control

Understand what debt financing is, how it compares to equity funding, and whether it's right for your business. Learn about types, pros, cons, and strategy tips.

March 9, 2026

The Fastest Types of Business Finance for UK SMEs

Need funding fast? Discover the quickest types of business finance for UK SMEs, including invoice finance, merchant cash advances, VAT loans, and business credit lines.

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Compare ^Fit-Out ^Finance Options Up To £900k

Key ^Benefits of 900k Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Fit-Out Finance

Unsecured Fit-Out Loan

Unsecured Fit-Out Loan

Secured Fit-Out Loan

Secured Fit-Out Loan

Asset Finance for Fit-Out

Asset Finance for Fit-Out

Typical Funding Journeys on Funding Agent