FINANCE OPTIONS

Compare ^Restaurant ^Fit-Out ^Finance Options For Restaurants

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

You can typically borrow from £10,000 up to £950,000 for restaurant fit-out finance, subject to your business’s revenue, credit score, and overall financial health.

Q: How long does it take to receive fit-out finance?

Application decisions are usually made within one to two weeks. If approved, you can expect funds to be available within two to four weeks, depending on documentation and project complexity.

Q: What are typical interest rates and costs?

Restaurant Fit-Out Finance often comes with APRs between 6% and 18%, depending on your credit rating and loan amount. Additional costs may include arrangement or documentation fees and early repayment penalties.

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

Common restaurant fit-out finance options include Asset Finance for equipment and decor, Business Loans for larger projects, and Merchant Cash Advances for flexible, sales-linked repayments.

950k Restaurant Fit-Out Finance provides dedicated funding to help restaurants refurbish, renovate, or install new interiors and equipment. Tailored to the hospitality sector, this finance enables restaurant owners to create spaces reflecting their brand and operational needs. With flexible use for kitchen upgrades, decor, or expanding capacity, it can help boost your restaurant’s value and competitiveness. Funding Agent connects UK restaurants with a wide panel of lenders, making it easier to find and compare the most suitable fit-out finance solutions for your next project.

Restaurant Fit-Out Finance

Secure up to £1,000,000 in Restaurant 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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^Benefits of Restaurant Fit-Out Finance

Choosing specialist Restaurant Fit-Out Finance brings several advantages when investing in your restaurant’s premises. From tailored repayment options that align with seasonal income to loans crafted specifically for hospitality, restaurants benefit from competitive rates and efficient application processes. Funding Agent streamlines the comparison process and connects you with lenders focused on your sector, saving time and supporting sustainable growth.

Industry-Specific Funding

Flexible Repayment Options

Efficient Decision Timing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Restaurant Fit-Out Finance

Asset Finance

Asset Finance helps restaurants acquire or upgrade kitchen equipment, furniture, and decor. Typically available to those with a year’s trading history, it is suited for targeted asset purchases between £50,000 and £500,000 with terms from 12 to 60 months.

Asset Finance

Applying for Asset Finance involves providing a list of required assets, which the lender then values. The funding is secured against these assets, and approval generally happens in two to five days. This option works well for restaurants wanting to upgrade kitchens, dining spaces, or adopt energy-efficient appliances, particularly when spreading costs over time is important.

Business Loans

Business Loans are suitable for larger refurbishments, expansions, or opening new restaurant locations. Amounts can range from £10,000 up to £950,000, with terms running from 12 to 84 months, making them ideal for major projects.

Business Loans

To secure a Business Loan, restaurants need a strong business plan, financial accounts, and a good credit record. Lenders assess the full scope of your proposed fit-out or expansion. The process usually takes one to two weeks for a funding decision, and the funds can support a complete transformation or significant upgrades to your premises.

Merchant Cash Advance

Merchant Cash Advance provides quick, flexible funding for restaurants with steady card sales. Suitable for minor refurbishments or cash flow boosts, typical amounts range from £5,000 to £500,000 and repayments flex with your sales.

Merchant Cash Advance

Funds are advanced based on your card turnover, with repayments automatically deducted as a percentage of future transactions. Approval is fast, usually within one to three days, making this an effective way to manage short-term projects, seasonal updates, or unplanned equipment needs without rigid monthly payments.

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 Restaurant Fit-Out Finance With Funding Agent

Submit Your Profile

Register your restaurant on the online application form, uploading basic business details, trading background, and financial history.

Compare Loan Options

Effortlessly compare finance offers and features from trusted UK lenders, with options tailored to restaurant fit-out and renovation needs.

Finalise the Loan

Choose your preferred offer, complete the lender’s application, and agree terms to quickly access restaurant fit-out funding.

Compare Restaurant 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 restaurant fit-out?

How long does it take to receive fit-out finance?

What are typical interest rates and costs?

What types of fit-out finance are available?

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Compare ^Restaurant ^Fit-Out ^Finance Options For Restaurants

^Benefits of Restaurant Fit-Out Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Restaurant Fit-Out Finance

Asset Finance

Asset Finance

Business Loans

Business Loans

Merchant Cash Advance

Merchant Cash Advance

Typical Funding Journeys on Funding Agent