FINANCE OPTIONS

Fit Out and Refurbishment Finance for Trades and Contractors

Fit Out and Refurbishment Finance offers tailored financial solutions for SMEs in the construction and contracting sectors. This finance option supports interior and exterior renovations to enhance commercial premises, simplifying the funding process for businesses aiming for improvements. Whether it’s upgrading office decor or retail spaces, this finance streamlines project execution. Learn more about business funding solutions.

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Secure up to £1,000,000 in Business loans with Funding Agent.

  • Fastest and easiest application process
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  • 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 for Trades and Contractors?

Key advantages include quick access to cash, efficient cash flow management, and potential tax benefits. With a range of amounts from £5,000 to £500,000, businesses can secure funds swiftly within a week after approval. This finance attracts interest rates between 3% and 20% APR, providing a flexible structure tailored to your needs. Discover how funding application streamlines the borrowing process.

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Flexible payment options
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Supports business growth
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Enhances project quality

SCALE YOUR BUSINESS TO NEW HEIGHTS

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

Unsecured Business Loans

Unsecured Business Loans cater to UK SMEs with at least 12 months of trading history and turnover above £50,000. Loan amounts range from £5,000 to £250,000 over terms of 6 to 60 months. These loans offer a swift decision-making process. Find out more about Unsecured Business Loans.

Unsecured Business Loans

Offering interest rates from 6% to 20% APR, these loans support refurbishments from retail shop upgrades to office refits. Decisions are typically made within 1-2 days with funds transferred within a week. This efficient process allows businesses to focus on their growth. Learn more about Unsecured Business Loans.

Asset Finance

Asset Finance is available for UK SMEs requiring financial support for new equipment or refurbishment. Eligible businesses can borrow between £5,000 and £500,000 for 12 to 72 months. This option maintains business capital while acquiring essential assets. Explore Asset Finance.

Asset Finance

With interest rates from 3% to 15% APR, decisions are completed within 3 to 5 days. Asset finance supports purchases from machinery to retail installations, empowering sectors like technology and hospitality. For comprehensive asset solutions, learn more about Asset Finance.

Invoice Finance

Invoice Finance assists established SMEs with significant invoices. Borrowing up to 90% of the invoice value provides immediate funding to cover refurbishment costs. This flexible source enhances cash flow stability. Visit our Invoice Financing page for details.

Invoice Finance

Invoice Finance facilitates funding against outstanding invoices, offering 24 to 48-hour approval times. It is ideal for manufacturing and construction firms needing quick cash flow improvements. Enhance your business’s liquidity with Invoice Financing.

Typical Funding Journeys on Funding Agent

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Our platform enriches your application using business data
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Receive offers and proceed with the best option

What is Fit Out and Refurbishment Finance for Trades and Contractors?

Application Processes and Timelines

The application process for refurbishment finance typically involves online submissions with business financials and ID verification. Decisions are made within a business week, with funds often available shortly afterwards. Learn more about efficient funding application processes.

Borrowing Capacity and Rates

All lenders in the UK must be FCA authorised. This ensures ethical practices and peace of mind for borrowers, guaranteeing that each transaction aligns with UK banking standards. Explore more on our business funding solutions section.

Borrowing Capacity and Rates

With borrowing capacities from £5,000 to £500,000, companies benefit from customized financing solutions. Interest rates vary based on creditworthiness, ensuring competitive offerings within the 3% to 20% APR range. Discover more about how business loans can boost your growth.

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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 Finance?
How quickly can I get a decision on my finance application?
What are the interest rates for refurbishment finance?
What are the eligibility requirements for Unsecured Business Loans?

DIVE DEEPER

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.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.
August 20, 2025

What Is a Working Capital Loan?

Learn how working capital loans support day-to-day business costs, their pros and cons, and how to qualify. Ideal for UK SMEs needing short-term funding.

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