Business Premises Refurbishment Finance

Refurbishment finance is a form of business funding designed to help companies renovate, redesign or upgrade their commercial premises. Instead of paying large costs upfront, you can access the funds immediately and repay over a fixed period, making it easier to manage cashflow while completing improvement works.

This type of finance is commonly used for internal fit-outs, layout changes, aesthetic upgrades, repair work, equipment improvements and sector-specific refurbishments. It is suitable for both tenant-occupied and business-owned premises.

1. Apply in Minutes

During your application, lenders typically request:

• Basic business details
• Six months of business bank statements
• Your most recent year-end accounts
• Information or quotes for the planned refurbishment work

With clear documentation, the process is fast and straightforward.

2. Lender Assessment

Lenders will assess factors such as:

• Your trading performance and revenue stability
• Cashflow health and affordability
• The scale and purpose of the refurbishment
• Quoted costs and expected benefit to the business
• Whether the loan should be unsecured or lightly secured

This ensures the funding supports your project without placing strain on long-term finances.

3. Repayments

Once approved, you receive the funds directly and can begin your refurbishment project. Your new loan typically includes:

• A fixed repayment term
• Clear monthly instalments
• Flexible short- to medium-term options
• Predictable costs aligned with your financial planning

This structure makes it easier to complete refurbishments without impacting day-to-day operations.

Refurbishment finance can support a wide range of commercial renovation projects, including:

• Shop refits and layout changes
• Restaurant, café and bar refurbishments
• Office improvements and redesigns
• Warehouse upgrades or reconfiguration
• Salon, spa and clinic renovations
• Reception, waiting area and customer-facing enhancements
• New flooring, lighting and decoration
• Interior repairs, painting and joinery
• Kitchen, bathroom and staff-area upgrades
• Compliance improvements such as accessibility, heating or safety systems

If the project improves your premises, enhances customer experience or supports better productivity, refurbishment finance can help.