^Fit Out Finance for Shops – Get a Quote

Asset finance enables shops to purchase essential assets—such as shelving, display units, or furniture—by securing funding against the asset value. Typical loans range from £5,000 to £500,000, with terms from 12 to 60 months, and rates between 3% and 10% APR. The approval process takes 1 to 2 weeks and is particularly suited to retailers needing to modernise or expand their physical store environment.

Shops with at least £100,000 turnover and 6 months’ trading can apply for unsecured loans of £5,000 to £250,000, repayable over 6 to 36 months. Approval can be as quick as 24 to 72 hours, with rates from 6% to 18% APR, depending on your shop's financial health. This option is ideal to cover minor upgrades or display purchases, keeping the funding process fast and flexible.

Commercial property loans are designed for shops looking to acquire, refurbish, or expand their premises. Loans start at £50,000 and can reach £5 million, with terms from 10 to 30 years and rates as low as 2.5% APR. The process requires thorough business planning and property evaluation, making it suitable for larger projects and long-term growth strategies.