FINANCE OPTIONS

Fit Out and Refurbishment Finance for Construction Companies and Contractors

Fit Out and Refurbishment Finance offers UK construction companies and contractors the necessary funds for interior works, renovations of commercial properties, such as leasehold improvements and office renovations. It serves as a vital financial tool for modernizing business premises. Learn more about the Construction Industry Scheme to ensure compliance and optimize your funding options.

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
Apply Now
Cloud

What are the benefits of Fit Out and Refurbishment Finance for Construction Companies and Contractors?

This finance option enables growth, operational efficiency, and enhanced customer experience by providing funds between £5,000 and £1,000,000 at competitive rates. Decision times range from 48 hours to a week, depending on application completeness. Discover our tailored services with Asset Finance suited to your business needs.

black tick in a green circle
Improved cash flow
black tick in a green circle
Flexible payment options
black tick in a green circle
Easier project management

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of Fit Out and Refurbishment Finance for Construction Companies and Contractors?

Asset Finance

Asset Finance is tailored for UK construction companies with a minimum of one-year trading history. Typical funding ranges from £10,000 to £500,000 with lending terms from 12 to 60 months and interest rates from 3.5% to 7.5% APR. It is ideal for purchasing new equipment necessary for refurbishment projects. Explore options here.

Asset Finance

With Asset Finance, decisions are usually made within 2 to 5 business days. This finance type is perfect for retail shops fitting out new branches or hospitality updating restaurant spaces. Leverage this through our Asset Finance Calculator to plan your financial commitments more effectively.

Business Loans

Business Loans support construction firms with over £50,000 in annual turnover. Amounts vary from £5,000 to £250,000, offering terms of 6 to 36 months with 5% to 12% APR. Specifically designed for funding office expansions. Start your application now.

Business Loans

Receiving funds within 48 hours makes Business Loans ideal for tech companies upgrading office spaces or hoteliers enlarging reception areas. Explore unsecured options for easier access.

Revolving Credit Facilities

Revolving Credit Facilities cater to businesses with strong financial health, offering from £50,000 to £1,000,000. These facilities come with 12 to 24-month terms and interest rates between 7% to 15% APR. They are ideal for managing cash flow during prolonged projects. Delve into the details at Revolving Credit Loans.

Revolving Credit Facilities

This option is best suited for hospitality businesses undertaking phased refurbishments or large retail chains considering multiple store renovations. Get terms directly negotiated with lenders for tailored financial solutions. More insights available at Consultancy Agency Funding.

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

What is Fit Out and Refurbishment Finance for Construction Companies and Contractors?

Application Process & Decision Times

The application process typically involves submitting business details, financial statements, and project plans. Decisions are reached quickly, from 48 hours to a week, influenced by application completeness. Learn more about efficient application methods through our Business Loans Dictionary.

Borrowing Capacity

Finance offers must comply with FCA regulations to protect businesses. Lenders are required to be FCA authorised. This ensures transparency and security in loan terms. For further insights, visit our section on FCA Compliance.

Borrowing Capacity

The borrowing capacity varies from £5,000 to £1,000,000, influenced by financial health, credit score, and project scope. Interest rates typically span 3.5% to 15% APR. Consider our Asset Finance guide for comprehensive rate analysis and borrowing advice.

Get Funding For your business

Generate offers
Cta image

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.
building

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 through Fit Out and Refurbishment Finance?
How quickly can I get a decision on my application?
What are the interest rates for these finance options?
Who is eligible for Fit Out and Refurbishment Finance?

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.
April 10, 2025

Top Asset Finance Lenders in the UK

Discover the UK’s top asset finance lenders, hire purchase, leasing & sale & leaseback solutions that let you invest in essential equipment without hefty upfront costs.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now