Spread the cost of retail fit-outs from £15,000 to £300,000+ with flexible finance options. HP, lease, or an unsecured loan for fixed works
Yes, shop fit outs 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 £15,000 to £300,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24 hours – 5 days. Used machines are financeable too, usually with a shorter term.
Typical Cost
£15k – £300k
Approval Speed
24 hours – 5 days
Fixtures fast, fixed works slower
Rates From
5.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical shop fit out price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £60,000: a 10% deposit of £6,000, then 48 monthly payments of £1,266 at 5.9% APR representative (fixed). Total amount payable £66,768, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Slatwall & Gondola Fixture Package | £15,000 – £40,000 | Retail Fixtures |
| Point of Sale & Counter Fit-Out | £8,000 – £20,000 | Till Point |
| Shopfront & Signage Package | £10,000 – £30,000 | Exterior |
| Full Store Fit-Out | £60,000 – £200,000 | Complete Store |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
How a shop fit-out is taxed depends on what it is made of. Moveable fixtures such as shelving, racking, tills and freestanding display units are treated as plant and machinery and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits. Items fixed to the building itself, including partitioning, flooring, ceilings and bespoke joinery, are treated as part of the property rather than as plant, and follow a different set of capital allowances rules. A specialist accountant should confirm the split for your specific project before you claim.
A shop fit-out is the hardest thing to finance in retail because it is really two different types of asset bundled into one project, and lenders judge them very differently. Hard assets with a resale market, such as racking, tills, freestanding fixtures and vehicle-style plant, can usually be financed as asset finance because a lender can repossess and resell them if a deal fails. Soft assets fixed to the building, such as partitioning, flooring, decoration and bespoke joinery, generally cannot be financed as asset finance at all because they have no value once removed from the property; these usually need an unsecured business loan instead. Understanding this split before applying is the single most useful thing a retailer can do when planning fit-out finance, since it determines which lender and which product a given invoice line will actually qualify for. If the retailer is a tenant rather than the freeholder, landlord consent for the works and the dilapidations clause in the lease also affect what a lender is willing to fund, since the lender wants assurance the fit-out will not have to be stripped out at the landlord's request before the finance term ends.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.