Lendus.

Retail Fixtures Finance

Spread the cost of shelving, gondolas and display units from £5,000 to £120,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a retail fixtures?

Yes, retail fixturess are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £5,000 to £120,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£5k – £120k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

5.5% APR

What would a retail fixtures cost per month?

£25,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical retail fixtures price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Retailers wanting to own their fixtures outright

Finance Lease

Rate
From 5.5% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.3% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Refresh the store layout on a lease cycle. Off balance sheet.

Representative example

On a purchase price of £25,000: a 10% deposit of £2,500, then 48 monthly payments of £527 at 5.9% APR representative (fixed). Total amount payable £27,796, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Dexion Gondola Run (x20 bays) £8,000 – £18,000 Gondola Shelving
Slatwall Display Wall Package £4,000 – £10,000 Slatwall
Mannequin & Window Display Set £3,000 – £8,000 Visual Merchandising
Full Store Fixture Package £30,000 – £80,000 Complete Store

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Tax benefits

Freestanding retail fixtures such as gondolas, shelving units and display stands are moveable plant and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. This is distinct from fixtures built into or permanently fixed to the shop unit, which are treated as part of the building for tax purposes. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead.

Market context

Retail fixtures are typically financed by shops opening a new unit, refitting an existing store, or refreshing their layout to support a new product range. Because gondolas, slatwall panels and display units are freestanding rather than fixed to the building, they hold resale value and can be moved between stores or sold on, which makes them straightforward for a lender to fund as asset finance in a way that fixed shopfitting work is not. Fixture refresh cycles tend to be shorter than the building fabric around them, often three to five years for high street fashion and grocery formats, since visual merchandising is a bigger driver of footfall than the shell of the shop itself. Retailers on shorter leases usually prefer fixtures they can take with them or resell over bespoke fixed joinery, precisely because the finance and the physical asset can both move with the business.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Are retail fixtures easier to finance than a full fit-out?
Yes, generally. Freestanding fixtures such as gondolas, shelving and display units are moveable and have a resale market, so lenders can fund them as straightforward asset finance and recover them if a deal fails. A full fit-out usually mixes these fixtures with fixed building works like partitioning and flooring, which cannot be financed the same way. Financing fixtures on their own, separately from fixed works, is often the quicker and cheaper route.
Can I finance fixtures for a shop I don't own?
Yes. Because the fixtures themselves are the security for the loan rather than the building, you do not usually need landlord consent to finance freestanding gondolas, shelving or display units in the way you would for fixed shopfitting work. It is still worth checking your lease length against the finance term, since a short lease can affect the term a lender is willing to offer.
Can I finance fixtures for multiple store openings under one agreement?
Some lenders offer a multi-site facility that lets you draw down finance for fixtures across several store openings under one approved limit, rather than applying separately for each. This suits retailers with a rollout plan, since it speeds up each individual opening once the facility is agreed. Not all lenders offer this, so it is worth asking specifically when comparing quotes.
Can I finance used or refurbished fixtures?
Yes, most lenders will finance used fixtures, typically up to five years old, and refurbished units from an established shopfitting supplier often get similar rates to new. This is a common way for retailers to fit out a store on a tighter budget while still spreading the cost over a term rather than paying upfront. It is worth asking the supplier for the equipment's service history and any remaining warranty before you apply, since this can affect both the rate offered and how quickly the lender is willing to approve the finance.
How quickly can I get retail fixtures finance?
Most applications are approved within 24 to 48 hours. For orders under £30,000, same-day approval is common, which suits retailers working to a fixed store opening date. Larger multi-site or full-store fixture orders may take a few days longer while the lender reviews the supplier quote in full. Where a quote mixes new and used retail fixtures, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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