Fit-Out Finance — How UK Business Loans Connects Your Business with the Right Fit-Out Lenders & Brokers
Quick summary: UK Business Loans helps UK limited companies and SMEs find fit-out finance by matching your project details to specialised lenders and brokers. Complete a short, no‑obligation enquiry and we’ll introduce you to providers who can offer tailored quotes (typical loan values from £10,000 upwards). The enquiry is not an application — it’s a free eligibility check so lenders/brokers can assess and contact you with suitable options. Get Quote Now — Free Eligibility Check
How UK Business Loans connects your business to the right fit-out lenders and brokers
UK Business Loans is an introducer that connects limited companies and small/medium businesses with lenders and brokers who specialise in fit-out finance. We don’t lend money and we don’t give regulated financial advice — instead we use a short, targeted enquiry to match your project to providers with the right products, experience and appetite for your sector and size of loan.
Step 1 — Quick enquiry: tell us about the project (2 minutes)
The process begins with a short online enquiry. This is an information request to help us match you to the right lenders and brokers — it is not a loan application and it does not trigger a credit search.
- Business name, company registration number and trading address
- Estimated project cost and purpose (e.g. shop fit-out, office refit, restaurant kitchen)
- Amount required and preferred product type (if known)
- Basic financials: last 12 months turnover and recent bank statements (if available)
- Primary contact details for directors or authorised signatories
Tip: the more accurate the cost estimate and supplier quotes you provide, the quicker we can match you to an appropriate lender or broker.
Step 2 — Smart matching using sector, product and credit filters
Once your enquiry is submitted our matching engine and specialist team look for providers that meet several criteria:
- Sector expertise — lenders/brokers experienced in retail, hospitality, leisure or office fit-outs.
- Product fit — those who offer asset finance, unsecured or secured business loans, invoice finance, merchant advances or development finance depending on your needs.
- Loan size and multi-site capability — whether the lender will consider the value of your project (we handle cases from around £10,000 upwards).
- Acceptable credit profiles — we filter for lenders who regularly work with similar credit histories to yours.
This targeted approach reduces unsuitable approaches and improves the quality of quotes you receive.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Step 3 — Partner vetting and introductions
We only share enquiries with partners we have vetted for reliability and transparency. That includes established finance brokers and specialist lenders who have a track record in commercial fit‑outs and refurbishments. When a match is made we introduce you and the lender/broker will contact you directly to discuss options.
Important: UK Business Loans is an introducer — we are not a lender and we do not provide regulated financial advice. Any formal credit assessment, quotes and contract will be provided to you directly by the lender or broker who contacts you.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Step 4 — Fast responses and multiple quotes
Many matched lenders or brokers will make first contact within hours. You’ll be able to compare offers on:
- Price (APR, interest and fees disclosed by the lender)
- Term, repayment schedule and any early‑repayment terms
- Security required (personal guarantee, asset or property security)
- Timing — how quickly funds can be released
There’s no obligation to proceed with any quote — you choose which offer to progress.
Types of fit-out finance you may be matched with
Fit-out projects come in many shapes and sizes. We match projects to lenders and brokers offering suitable products, such as:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Business loans (secured or unsecured)
Typical for medium-size projects. Secured loans often provide lower rates if you can offer property or other business assets as security.
Asset finance & equipment funding
Funding for catering equipment, bar fixtures, POS hardware and furniture via hire‑purchase, leasing or equipment loans.
Merchant cash advance & short-term loans
Fast access to working capital for deposits or supplier payments when lead times are tight.
Invoice finance
Release working capital by borrowing against outstanding invoices to fund fit‑out cashflow without adding new long‑term debt.
Commercial property & development finance
For larger refurbishments or leasehold improvements tied to property investment or redevelopment.
For more detail on the specific products used for refurbishments and installations, see our dedicated page on fit-out finance.
How we decide which lender or broker is the “right” fit
Matching isn’t random — we prioritise providers who offer:
- Sector experience: knowledge of your industry’s supply chains and typical cost structures (retail, restaurants, hospitality, offices).
- Product suitability: history of underwriting similar fit‑out projects.
- Credit profile alignment: lenders willing to consider your financial history and size of business.
- Speed & communication: providers who respond quickly and explain costs clearly.
This raises your chance of a positive outcome and reduces wasted time.
What information speeds up the quote process — a quick checklist
- Company name, registration number and trading address
- Estimated total project cost and a brief scope of work
- Requested finance amount (how much you need now vs any staged funding)
- Recent business bank statements (3 months) and latest management or statutory accounts
- Supplier quotes or invoices (if available)
- Director details and any known credit events (be open — some lenders specialise in “imperfect” credit)
Having these prepared means lenders can produce realistic quotes faster.
Ready? Free Eligibility Check — Get Quote Now
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Typical timeline, fees and who pays
Estimated timescales (typical):
- Enquiry submitted: immediate
- Initial matches & introductions: within hours
- Lender/broker first contact: same day or next working day (often within 24 hours)
- Application to decision: hours for fast products; days–weeks for larger secured facilities
Using UK Business Loans is free for businesses — we are paid by our broker and lender partners when an introduction leads to an accepted placement. All interest rates, APRs and fees are disclosed to you by the lender before any agreement is signed.
How we protect your data & compliance note
We only share your enquiry with relevant, trusted lenders and brokers. Your information is stored securely and used only to match your finance requirements. You can review our full data handling details on our Privacy Policy page.
Compliance note: we are an introducer — we do not lend or provide regulated financial advice. Lenders/brokers that contact you will disclose costs, APR and terms before any contract, and they will be responsible for any regulated advice or credit checks.
Why businesses choose UK Business Loans for fit-out finance
- Fast, targeted matches: short form, fast introductions to providers who understand fit‑outs.
- Better-quality quotes: providers vetted for experience with your sector and project size.
- No cost to you: free for businesses; no obligation to accept any quote.
- Nationwide reach: local and national lenders and brokers across the UK.
FAQs
Will completing your enquiry affect my credit score?
No. Submitting an enquiry does not affect your business credit score. Lenders may carry out checks later only if you choose to progress an application.
How quickly will I get a quote?
Initial contact from matched brokers/lenders is often within hours. Formal offers depend on the product — fast short-term finance may be available within hours, secured or larger facilities may take days to weeks.
Can you help if my credit record isn’t perfect?
Yes. We work with a diverse panel of providers; some specialise in lending to businesses with complex credit histories. Be transparent in your enquiry and we’ll match you to suitable options.
Is this service free?
Yes — it’s free for businesses. We receive payment from our lending/broker partners when an introduction results in a completed placement.
Ready to get started?
Refurbishment timelines can’t always wait. Complete our short enquiry and we’ll match you to fit‑out lenders and brokers who understand your sector and timescale. It takes under two minutes and is free.
Get Quote Now — Free Eligibility Check
Other helpful pages: How it works · Types of business loans · Contact us
Suggested images & alt text for the page
- hero-fit-out.jpg — alt: “Office fit-out contractors installing partition wall”
- retail-fit-out.jpg — alt: “Retail shop fit-out showing fixtures and lighting”
- infographic-match-process.png — alt: “How UK Business Loans matches businesses to fit-out lenders in four steps”
Note: This page is designed to help business owners understand how we match fit-out projects to lenders and brokers. It does not replace professional advice — lenders or brokers who contact you will provide details on terms, APR and fees before any agreement is signed.
1. What is UK Business Loans and how does it help me find a business loan in the UK?
UK Business Loans is an introducer that quickly matches UK limited companies and SMEs to trusted lenders and brokers (we don’t lend or give regulated advice) so you can compare tailored business loan and fit-out finance options.
2. Is the short enquiry form a loan application and will it affect my credit score?
No — the enquiry is a free eligibility check to match you with providers and does not trigger a credit search or affect your business credit score.
3. What loan amounts can I apply for through UK Business Loans for fit-out finance?
Our panel handles typical fit-out and business loan amounts from around £10,000 up to multi‑million facilities depending on the lender and your project.
4. How quickly will lenders or brokers contact me after I submit an enquiry?
Matched lenders and brokers often make first contact within hours, while formal offers can range from same‑day for fast products to days or weeks for larger secured facilities.
5. Does it cost my business anything to use UK Business Loans?
No — the service is free and no‑obligation for businesses; we are paid by our lender and broker partners when an introduction leads to an accepted placement.
6. Can I get fit-out finance if my business has imperfect or bad credit?
Yes — we work with a diverse panel including specialists who consider businesses with complex or adverse credit histories, so be transparent in your enquiry.
7. What types of finance might I be matched with for a shop, office or restaurant fit‑out?
You may be matched with unsecured or secured business loans, asset or equipment finance, invoice finance, merchant cash advances, or commercial/development finance depending on your needs.
8. What information should I have ready to speed up getting accurate quotes?
Prepare your company name and registration, estimated project cost and scope, requested finance amount, recent bank statements and accounts, supplier quotes, and director details for fastest matching.
9. Are the brokers and lenders you introduce regulated and how is my data protected?
We vet and only share enquiries with trusted, often FCA‑regulated brokers and lenders, and your information is stored securely and shared only with relevant partners per our privacy policy.
10. Who pays the fees and will interest rates and APR be disclosed before I agree?
You only pay interest, fees or charges to the lender you choose if you accept an offer, and matched lenders/brokers will fully disclose APR, interest and fees before any contract is signed.