FINANCE OPTIONS

Fit Out and Refurbishment Finance - Get a Quote

Fit Out and Refurbishment Finance provides businesses with the funds necessary to enhance their premises through updates to furniture, decor, and structural components. Business loans can play a pivotal role in refreshing spaces, improving both aesthetics and operational efficiency.

Business loans

Secure up to £1,000,000 in Business loans 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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What are the benefits of Fit Out and Refurbishment Finance?

Utilizing Fit Out and Refurbishment Finance can significantly help businesses remain competitive by modernizing decor and improving operational setups. With funding ranging from £5,000 to £1,000,000, businesses benefit from swift decisions and competitive interest rates. Explore invoice financing as a cash flow management tool during refurbishments.

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Increased property value
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Improved tenant satisfaction
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Flexible financing options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Fit Out and Refurbishment Finance?

Business Loans

Business Loans offer an ideal solution for businesses needing £5,000 to £500,000. With terms from 12 to 72 months available, they are perfect for various updates. Discover more about business loans for small businesses.

Business Loans

Business Loans are accessible to UK-registered companies with over 12 months of trading history, with rates from 4% to 15% APR. Sectors like retail and hospitality utilize these loans for boutique refurbishments and café redesigns. Learn how marketing agencies use business loans.

Asset Finance

Asset Finance allows for leasing or purchasing equipment, accommodating amounts from £10,000 to £1,000,000. Explore asset finance for your business equipment needs.

Asset Finance

Ideal for businesses operating for over two years, Asset Finance offers solutions with interest rates between 3% to 12% APR. It's commonly used in industries like hospitality for kitchen upgrades. Explore asset finance benefits.

Invoice Financing

Invoice Financing enables businesses to unlock up to 90% of an invoice's value, providing quick cash flow solutions in just 24 hours. Consider selective invoice financing.

Invoice Financing

Designed for SMEs with a minimum annual turnover of £50,000, Invoice Financing helps manage cash flow during refurbishments. Using unpaid invoices as collateral, decisions are quick, often within a day. Learn how legal firms use invoice financing.

Typical Funding Journeys on Funding Agent

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What is Fit Out and Refurbishment Finance?

Application Process & Timescales

The application process for Fit Out and Refurbishment Finance involves submitting financial statements and undergoing a credit check, with funds typically available within 1 to 10 days post-approval. Utilize our calculators for estimations.

Borrowing Capacity & Rates

Lenders offering these types of finance must adhere to FCA regulations, ensuring transparency in lending terms. Explore more about regulatory compliance in UK finance.

Borrowing Capacity & Rates

Your borrowing capacity can range from £5,000 to £1,000,000, influenced by business financial health and collateral. Rates typically span from 3% to 15% APR. See our loan calculator for tailored estimates.

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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.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with Fit Out and Refurbishment Finance?
How quickly can I get a decision on my finance application?
What are the typical interest rates for these finance options?
What are the eligibility requirements for applying?

DIVE DEEPER

August 1, 2025

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.
June 24, 2025

What Is Asset Finance?

Learn what asset finance lending is, how it works, key benefits, stats on SME usage, and whether it's right for your UK business.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.

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