Compare ^{Fit-Out Finance} Options For Retail Shop Fit-Outs

Retailers with a solid trading history can access term loans from £50,000 to £1,000,000 on terms of 1 to 5 years. Decisions usually take 2 to 4 weeks, with APR from 6% to 15%, depending on your credit profile and project details. Ideal for shop refits involving structural changes or major rebranding, term loans require a fit-out plan and documentation supporting the project’s viability.

Secure asset finance by using new or existing equipment as collateral. Lending decisions can be reached in 1 to 3 weeks, at rates of 3% to 12% APR. This option allows retailers to invest in modernising their sales or customer experience infrastructure, spreading the cost for critical fixtures without using working capital. Asset finance is especially helpful for acquiring non-structural shop elements with minimal upfront investment.

Suitable for established retailers with good credit histories and annual turnover above £100,000, this facility is usually set up within 1-2 weeks. With APRs from 8% to 20%, it is useful for managing unforeseen costs or funding phased upgrades. Businesses can access and repay funds multiple times, matching funding to ongoing refurbishment needs while maintaining liquidity during the fit-out process.