Construction Business Loans — Fit‑out & Refurbishment Finance Introductions

Quick summary: Yes — UK Business Loans introduces construction companies, contractors and commercial landlords to specialist lenders and brokers that arrange fit‑out and refurbishment finance. We do not lend money directly; instead we match projects (typically £10,000 and above) to lenders or brokers who can provide tailored quotes — often quickly. To get started, complete a short, no‑obligation enquiry and receive a free eligibility check and rapid quotes from parties suited to your project. Get Quote Now — Free Eligibility Check

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Do we introduce lenders for construction fit‑out and refurbishment finance?

Short answer: Yes. We introduce businesses to specialist lenders and brokers experienced in fit‑out and refurbishment finance — from shop and office refits to larger commercial refurbishments. An introduction means we share your enquiry with selected lenders/brokers that match your needs so they can provide quotes and discuss next steps. We act as an introducer — not a lender — and our role is to save you time and increase your chances of a fast, suitable finance outcome.

How it works — step by step

Our process is designed to be quick and straightforward:

1. Complete the short enquiry — tell us a few details about your business, the project and the funding you need (takes around 2 minutes). Get Started — Free Eligibility Check
2. We match your case — we compare your requirements to our panel and select 1–3 lenders/brokers with relevant experience in construction fit‑outs and refurbishments.
3. Partners contact you — matched lenders or brokers will contact you to discuss eligibility, request documents and provide indicative/representative quotes.
4. You compare and decide — review offers, ask questions, and proceed with the provider that best fits your timeline and terms. There’s no obligation to accept any offer.

Initial enquiries do not affect your credit score. If a lender conducts a formal application later, they will explain any credit checks they require.

Who we can help — typical construction fit‑out & refurbishment use cases

We introduce lenders and brokers for a wide range of commercial projects. Examples include:

• Retail & hospitality fit‑outs — shopfront refits, restaurant kitchens, café fits. Typical finance: £10k–£250k (short‑term loans, asset finance, unsecured business loans).
• Office refurbishments — tenant improvements, partitions, M&E upgrades. Typical finance: £10k–£500k (bank/term loans, asset finance, commercial loans).
• Hotel & B&B refurbishments — room re‑fits, common area upgrades. Typical finance: £25k–£1m (commercial property loans, refurbishment facilities).
• Landlord works — void refurbishments, EPC upgrades, tenant improvements. Typical finance: bridging plus refurbishment wings, commercial mortgages.
• Contractor working capital for fit‑outs — cashflow to pay subcontractors and suppliers during projects. Typical finance: invoice finance, short‑term loans, overdrafts.
• Green / sustainability refurbs — heat pumps, insulation, EV chargers, solar PV. Specialist sustainability and energy efficiency lenders may offer competitive packages.

Loan sizes we handle typically start at around £10,000 and go up from there. We will match you to providers who specialise in the right product for your scale of works.

Types of lenders and brokers we introduce

Our panel covers a broad range of finance specialists so you can get the most appropriate quote:

• High street & challenger banks — suitable for larger, lower‑risk refurbishments with clear security.
• Specialist construction lenders — providers who understand project drawdowns, stage payments and refurbishment risks.
• Bridging lenders — short‑term loans for time‑sensitive projects or to unlock purchases pending refinance.
• Asset & equipment finance — funds for fitting, fixtures and specialist equipment integrated into a repayment plan.
• Invoice finance & working capital providers — speed cashflow for contractors and subcontractors during a fit‑out.
• Commercial brokers — brokers who search the market on your behalf, especially useful for complex or larger facilities.

Different lenders suit different project types: small unsecured loans and equipment finance can work for minor fits, while full refurbishments often require secured facilities, staged drawdowns or combined bridging and development loans. Always ask any lender or broker we introduce for full details, representative examples and their fee schedule.

Eligibility — what lenders typically look for

Eligibility varies by product and lender, but key factors usually include:

• Business trading history and recent management accounts
• Credit history for the business and directors
• Evidence of the project: quotes, contracts, schedules of works
• Cashflow projections and existing liabilities
• Security offered (property, plant & equipment) and VAT status
• For contractor finance: confirmed invoices or purchase orders

Practical tips to speed up the process:

• Prepare recent accounts, bank statements and a clear project budget
• Have supplier/contractor quotes and a project timeline ready
• Be upfront about any credit issues — specialist lenders consider imperfect credit in many cases

If you have a short trading history or credit problems, we can still match you to lenders who specialise in higher‑risk or alternative data underwriting.

Typical costs, rates and repayment options

Costs for fit‑out and refurbishment finance vary widely depending on the provider, product, security and risk profile. Typical points to consider:

• Interest rates will depend on loan size, term and security — secured facilities are usually cheaper than unsecured.
• Some lenders charge arrangement fees, drawdown fees or exit fees — check all upfront costs.
• Repayment structures differ: term loans, staged drawdowns, interest‑only during works, or blended facilities (e.g., bridging then refinance).
• Ask for a representative example showing APR, total cost of credit and all fees before you sign.

UK Business Loans does not provide personalised APRs or quotes. Instead, we introduce you to lenders/brokers who will supply transparent, tailored costings after an eligibility review. Get Quote Now — Free Eligibility Check

Risks & what to check before you sign

Refurbishment finance can accelerate projects, but be aware of common risks:

• Personal guarantees and the potential impact on directors’ personal assets
• Cross‑collateralisation — multiple assets secured to one lender
• Interest rate exposure (fixed vs variable) and breakage costs
• Project cost overruns and cashflow strain during works
• Default consequences, including repossession or enforcement

Checklist to request from any lender or broker we introduce:

• Full fee schedule and representative example
• Drawdown schedule and conditions for each stage
• Security and guarantee requirements in writing
• Cooling‑off rights, timescales and early repayment information

For complex or high‑value facilities consider independent regulated financial advice in addition to the introductions we provide — we do not provide regulated financial advice.

Why use UK Business Loans to find fit‑out & refurbishment finance?

We focus on matching your project to the lenders and brokers most likely to help you secure funding fast:

• Speed: quick enquiry, rapid matching and fast responses from lenders.
• Sector expertise: we understand construction fit‑outs and the funding products commonly used.
• Time saved: we filter the market so you only speak to relevant providers.
• Free service: submitting an enquiry is free and no‑obligation.
• Confidentiality: your details are only shared with suitable partners for your request.

Want to see what options are available for your project? Start your free enquiry and get matched today.

For additional background on lender types and construction finance options, see our detailed page on construction business loans: construction business loans.

Real examples (anonymised)

Below are short, anonymised examples showing how introductions have helped businesses:

• Café fit‑out — £45,000: Problem — owner needed quick funds to finish a city‑centre café. Solution — matched to a broker that secured an unsecured business loan with a short repayment term. Result — works completed within 3 weeks and trading began on schedule.
• Landlord refurbishment — £250,000: Problem — landlord upgrading flats to let. Solution — introduced to a bridging lender with staged drawdowns tied to milestones. Result — voids reduced and rent roll restored within months.
• Contractor cashflow — £120,000: Problem — contractor required cash to pay subcontractors mid‑project. Solution — matched to invoice finance provider for immediate liquidity. Result — project completed without delay and margins preserved.

FAQs

Do you lend directly?

No — we are an introducer. We connect you with lenders and brokers who provide finance directly to businesses.

What documents will I need?

Commonly: recent management accounts, bank statements, ID for directors, supplier or contractor quotes, contracts or POs and a clear project budget.

How quickly will I receive quotes?

Many lenders contact within hours during business hours. Full representative quotes usually follow after a short eligibility check and document review.

Will an enquiry affect my credit score?

No — submitting an enquiry via our service does not affect your credit score. Lenders may run checks later if you progress to a formal application.

Can new businesses or those with imperfect credit get finance?

Yes — some specialist lenders accept alternative evidence or higher risk profiles. We’ll match you to lenders most likely to consider your case.

How large can the loans be?

We typically handle projects from around £10,000 upwards — our panel can arrange larger facilities into the millions for major commercial refurbishments.

Are partners regulated?

We introduce a variety of lenders and brokers. Always ask any provider we introduce for their regulatory status and full terms before proceeding.

Ready to find fit‑out or refurbishment finance?

Complete our short enquiry for a free, no‑obligation eligibility check and get matched with specialist lenders and brokers who understand construction and fit‑out projects. It takes less than 2 minutes. Get Quote Now — Free Eligibility Check

Legal / compliance (important — visible)

Important: UK Business Loans is an introducer and not a lender or independent financial adviser. We do not provide regulated financial advice. We share your enquiry with vetted lenders and brokers who may contact you. Using our service is free and no‑obligation. Submitting an enquiry does not affect your credit score. Check any lender or broker’s terms and regulatory status before proceeding.

1. Are you a lender for construction fit‑out and refurbishment finance?
No — UK Business Loans is an introducer that connects you with specialist lenders and brokers who provide construction fit‑out and refurbishment finance.

2. Is the online enquiry a formal loan application?
No — the short enquiry is simply to match your project to suitable lenders and brokers, not a formal application.

3. Will submitting an enquiry affect my credit score?
No — completing our enquiry does not affect your credit score; lenders may run checks only if you progress to a formal application.

4. What loan amounts can you help me find for fit‑outs and refurbishments?
We typically handle projects from around £10,000 up to multi‑million commercial refurbishments, depending on the lender and product.

5. What types of finance do you introduce for construction fit‑outs and refurburbs?
We introduce a range of products including bridging loans, commercial mortgages, term loans, invoice finance, asset/equipment finance and staged drawdown refurbishment facilities.

6. How quickly will I receive quotes for refurbishment finance?
Many lenders or brokers contact you within hours during business days, with full representative quotes following a short eligibility check and document review.

7. What documents will lenders typically request for a refurbishment loan?
Common requirements include recent management accounts, bank statements, director ID, contractor or supplier quotes, contracts or POs and a clear project budget/timeline.

8. Can businesses with short trading histories or imperfect credit get fit‑out finance?
Yes — we can match you to specialist lenders and brokers who consider alternative evidence and higher‑risk profiles.

9. What are the typical costs, rates and repayment options for fit‑out and refurbishment loans?
Costs vary widely by product and security — secured facilities usually have lower rates, lenders may charge arrangement/drawdown/exit fees, and repayment options include staged drawdowns, interest‑only during works, and blended bridging‑to‑term structures.

10. What key risks and security issues should I check before accepting refurbishment finance?
Check for personal guarantees, cross‑collateralisation, drawdown conditions, interest rate exposure, full fee schedules and consequences of default, and consider independent regulated advice for complex facilities.