Fit‑Out Finance — Quick Quote & Free Eligibility Check

Need to refurbish a shop, restaurant or office without draining cashflow? Get a fast, no‑obligation quote for fit‑out finance and a free eligibility check. Complete a short enquiry (under 2 minutes) and we’ll match you with specialist lenders and brokers who can provide indicative quotes swiftly.

Quick summary — how to get a fast fit‑out finance quote

In short: complete the short online enquiry (it takes under 2 minutes). We will use your details—project cost, business size and trading history—to match you to lenders and brokers who specialise in fit‑outs. You’ll typically receive indicative quotes or a call within hours; formal applications follow when you select a provider. The enquiry is not an application — it’s simply information to help us and our partners provide accurate quotes. Start with a Free Eligibility Check: Get Quote Now.

What is fit‑out finance and who uses it?

Fit‑out finance covers funding for refurbishing or fitting out commercial premises: shop fronts, restaurant kitchens and seating, office refits, salon installations, gym equipment and more. It funds fixtures, fittings, tenant improvements, signage, services and sometimes associated equipment.

• Typical users: retailers, cafés, restaurants, hospitality, office occupiers, franchises and businesses undertaking refurbishments between £10,000 and several hundred thousand pounds.
• Minimum project size we arrange: generally £10,000 and upwards.

Why use UK Business Loans to get a quick fit‑out quote?

• Faster matching: one short enquiry connects you to lenders and brokers who specialise in commercial fit‑outs.
• No cost, no obligation: the enquiry is free and does not commit you to a loan.
• Specialist partners: we match by sector and project size so quotes are relevant and competitive.
• Confidential & practical: your details are shared only with selected providers to help them give accurate quotes.
• Clear next steps: lenders/brokers will explain rates, fees, terms and any security required before you proceed.

Want to start? Get Quote Now.

Types of fit‑out finance we can arrange

Different projects need different products. We’ll match you to lenders and brokers who can provide the right type for your circumstances:

Unsecured business loans

Quick to arrange for smaller fit‑outs with no asset security. Suitable if you need fast cash and the amount is within unsecured lending limits. Expect higher rates than secured options.

Secured commercial loans

Lower rates for larger amounts in exchange for security (property or other assets). Useful for big refits where you want longer terms and lower monthly repayments.

Asset and equipment finance

For kitchens, furniture, POS or heavy equipment — finance is secured against the asset being purchased; repayments can match asset life.

Hire purchase & leasing

Spread cost of equipment through hire purchase or operating leases. Often VAT-efficient and preserves working capital.

Short‑term cashflow / bridging

For urgent or staged projects, short‑term options provide immediate funding until longer-term finance is put in place.

Learn more about specialist fit‑out finance and which product might suit your project.

How to get a quick quote for fit‑out finance from UK Business Loans (step‑by‑step)

This section explains exactly what happens from enquiry to quote so you know what to expect.

Step 1 — Start your quick enquiry (under 2 minutes)

Click the enquiry link and complete a short form with:

• Business name and contact (we don’t require an application-level pack at this stage)
• Estimated loan amount and purpose (select “fit‑out”)
• Time trading and annual turnover
• Preferred contact method and urgency

The enquiry is an introduction only — it’s not a loan application. Submit the short form: Free Eligibility Check.

Step 2 — We match you to specialist lenders & brokers (minutes)

We review your information and match you to partners with expertise in your sector, project size and credit profile. This increases the chance of receiving relevant, accurate quotes quickly.

Step 3 — Receive indicative quotes or a call (hours to 24 hours)

Matched lenders or brokers typically contact you by phone or email with an indicative quote or to request a small set of documents to firm up terms. Many businesses receive a response within business hours the same day.

Step 4 — Compare offers and request full terms (1–7 days)

Ask providers for APR, arrangement fees, repayment schedules and any early‑repayment penalties. Compare total cost and fit with your cashflow plan.

Step 5 — Proceed with the provider you choose

If you decide to proceed, the chosen lender/broker will take you through the formal application, document checks and funding timetable. We introduce — we do not lend or make lending decisions.

Tip: mark your enquiry “urgent” or call +44 20 1234 5678 if you need a same‑day response.

What lenders and brokers look at when providing a quick quote

Indicative quotes rely on a handful of core factors. Preparing these helps speed the process and improve accuracy.

• Estimated project cost and purpose (detailed supplier quotes speed accuracy)
• Business trading history and annual turnover
• Recent bank statements (cashflow position)
• Existing borrowing and repayment performance
• Director(s) credit history (not every product requires personal guarantees, but many do for larger sums)
• Security available (property, assets) if considering secured lending

Generally, businesses trading 12+ months have broader options; those under 12 months are matched with specialists. Start with a short enquiry: Get Quote Now.

Documents & information that speed up a quote

When lenders ask for documents, having these ready will move you from indicative quote to funding faster:

• Photo ID for company directors (passport or driving licence)
• Business bank statements (3–6 months)
• Most recent management accounts or filed accounts
• Commercial lease or landlord consent (if tenant fit‑out)
• Supplier or contractor quotes, project specification
• Cashflow forecast (if available)

Providing clear, consistent figures reduces follow‑up questions and speeds lender responses.

Typical timelines, costs and example quotes (illustrative)

Timelines and costs vary by product and complexity. Typical examples:

• Pre‑screen & indicative quote: within hours to 24 hours
• Formal application & document checks: 1–7 business days
• Funding: 3–21 business days (secured lending and property checks can extend this)

Cost examples (illustrative only — actual offers depend on lender assessment):

• Unsecured loan of £20,000 over 3 years — higher monthly repayments, quicker turnaround, higher APR.
• Secured loan of £100,000 over 5–10 years — lower APR, may require property or other security.
• Asset finance for kitchen fit‑out — term aligned to expected life of equipment, deposit options available.

We recommend requesting full APR and a statement of all fees before proceeding. Start your comparison: Free Eligibility Check.

Short anonymised case study

Independent café in Manchester — needed £45,000 for kitchen equipment, counters and seating. After completing our short enquiry they were matched with two specialist brokers. Within 24 hours they had three indicative quotes. They chose an asset finance solution with a 5‑year term that kept monthly costs predictable and allowed VAT-efficient purchasing. Funding completed in 14 days and the café increased covers by 30% within two months of reopening.

Frequently asked questions

Can I get a quote if my business has had previous loan refusals?

Yes. We work with a broad panel of lenders and brokers, including those specialising in non‑standard cases. Different providers assess risk differently, so you may be eligible through another partner.

Will submitting an enquiry affect my business credit score?

No. Making an enquiry through UK Business Loans does not affect your credit score. Formal credit checks may be carried out by lenders only if you apply to them directly.

How much can I borrow for a fit‑out?

We help businesses seeking from around £10,000 to several hundred thousand pounds. The suitable amount depends on project scope, business performance and available security.

Do you charge to match me with lenders?

No — our matching service is free to business owners. Lenders or brokers will explain any product or arrangement fees as part of their quote.

Do I need landlord consent for a tenant fit‑out?

Often yes. Lenders may ask for proof of lease and, where required, landlord consent before funding work that affects the property. If you don’t have consent yet, tell us on the form and we’ll match you with lenders who can advise on conditional funding options.

Ready to get your quick fit‑out finance quote?

If you want an accurate, no‑obligation quote, the fastest route is our short enquiry form. Tell us about your project and preferred contact method and we’ll match you to the best lenders and brokers for your needs. Remember: the enquiry is not an application — it’s information to help us introduce you to suitable partners who will provide quotes.

Get Quote Now — free eligibility check, no obligation.

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Important: UK Business Loans is an introducer. We do not lend money and we do not provide regulated financial advice. We put businesses in touch with trusted lenders and brokers who will explain full terms, fees, security requirements and any credit checks before you apply. We handle your data securely and only share it with selected partners relevant to your enquiry. For full details see our Privacy Policy and Terms & Conditions. Published: 30 October 2025. Author: UK Business Loans team.

1. How quickly will I get a fit‑out finance quote? — After you submit the short enquiry you’ll usually receive indicative quotes or a call within hours, often the same day, depending on lender workload and completeness of your information.

2. Will submitting an enquiry affect my business credit score? — No — making an enquiry through UK Business Loans does not affect your credit score; lenders may carry out formal checks only if you apply.

3. How much can I borrow for a fit‑out? — Typical fit‑out finance starts around £10,000 and can range to several hundred thousand depending on project size, business performance and security offered.

4. What types of fit‑out finance are available for shops, restaurants and offices? — Options include unsecured business loans, secured commercial loans, asset and equipment finance, hire purchase/leasing and short‑term bridging/cashflow facilities.

5. Do I need landlord consent for a tenant fit‑out? — Often yes — lenders usually want a copy of the lease and landlord consent for tenant works, though some lenders can advise on conditional or staged funding if consent is pending.

6. Is there a cost to use UK Business Loans to get a fit‑out quote? — No — our matching service and eligibility check are free and no‑obligation, though lenders or brokers will explain any product or arrangement fees in their quotes.

7. What documents speed up getting an accurate fit‑out quote? — Having photo ID for directors, 3–6 months of business bank statements, recent accounts or management accounts, lease and supplier/contractor quotes (and a cashflow forecast if available) will accelerate the process.

8. Can I get fit‑out finance if I have bad credit or previous loan refusals? — Yes — we work with specialist lenders and brokers who assess non‑standard cases differently and may be able to offer suitable options.

9. Can start‑ups or businesses trading under 12 months apply for fit‑out finance? — Yes — start‑ups can apply and will be matched with lenders that specialise in early‑stage or limited‑history businesses, though product choice may be narrower.

10. How do I start the fit‑out finance process with UK Business Loans? — Complete our quick online enquiry (under two minutes) to get a free eligibility check and be matched with trusted UK lenders and brokers who will provide indicative quotes.