Fit Out Finance

The average person spends 3,515 full days at work over a lifetime.

If you are a business owner, chances are it will amount to many more. Based on these statistics alone, we know how important it is to create the right work environment. We can help you achieve your perfect workspace with fit out finance.

What is fit out finance?

Your workplace should be somewhere that you enjoy being in. A space that motivates and inspires you and provides a functional, creative workplace for you and your employees. You may also have customers visiting your workspace so you want your workspace to reflect your business and create a good impression.

Fit out finance helps businesses across a wide range of industries access funds to transform their workplace with everything they need. From wall paint to the latest computers, furniture to lighting, security to equipment; we will cover it all and you can spread the repayments out over time.

Why might businesses require fit out finance?

Your workplace is not only where you and your employees spend much of the week but it is also where clients and customers come to experience your service. It should be a visual representation of how successful your business is but despite knowing how important this is, it isn’t always achievable without financial support.

When a business requires a fit out, it can be an incredibly expensive and lengthy process if finances are not readily available or if you are starting from scratch. Fit out finance can offer you a loan to cover everything you need to give your workspace the new look it needs.

What can fit out finance be used for?

There are many different sectors that can benefit from fit out finance in very different ways. Some of the sectors we cover include but are not limited to:

Office Fit Out Finance

We can support you by funding the transformation of your office. We will cover everything from new computers to carpets and everything in between.

Learn more about Office Fit-Out Finance.

Retail Fit Out Finance

We know how important your shop floor is for enticing customers in and ensuring a sale. We can provide the funding for everything you need to create a retail space to be proud of.

Learn more about our Retail Financing Options.

Restaurant Fit Out Finance

They say you eat with your eyes first and in the restaurant business that doesn't just apply to the food you serve. We want your restaurant to represent everything about your business from the service you offer to the food on the plate.

Learn more about our Restaurant Financing & Loans.

Dental Fit Out Finance

We can provide funds for everything you need for a professional, calm and clinical environment. From the dentist chair to the waiting area, you can give your patients everything they need.

Learn more about our Dental Surgery Loans & Finance.

Warehouse Fit Out Finance

We understand how important it is that you have the best possible machinery to keep your warehouse running smoothly. Find out how we can help you fund the purchase of the latest machines.

Pharmacy Fit Out Finance

We know how vital it is that your pharmacy is a calm, organised and professional environment. If you are looking to transform your pharmacy and update your technology, furniture or general look of the space, we can help you fund it.

Why use asset finance for your fit out?

Asset finance is a flexible funding solution for businesses to acquire any machinery, technology, decorative items or furniture to transform your environment without having to sacrifice a huge sum of money from your business It also means that with one agreement you can cover all the costs for your entire fit out, saving you valuable time and keeping things simple.

You can also use asset finance to secure additional funds against existing assets and it is a viable alternative to other borrowings such as loans or overdrafts.

What we can guarantee

We want to work with you to ensure that your chosen supplier receives their funds as quick as possible. With Union Business Finance you will get:
  • The lowest rates
  • Finance from £10k to £5m
  • A sector independent funding

Why choose Union Business Finance?

We know that as a business owner, you don’t have time to stop. That is why we want to make the process fast, flexible and simple. We offer:

  • A highly personalised service to help you every step of the way from applying for your loan to your very last payment
  • A panel of over 100+ reputable lenders
  • Over 10 years’ experience supporting businesses
  • A trustworthy service attested by over 4,000 clients

Eligibility criteria

New Start Business:

  • Experience in the sector
  • Good Personal credit
  • No default payments
  • Homeowner

Established Business:

  • Three years trading
  • Profitable accounts
  • Good business / personal credit / good Delphi score
  • No default payments

How our fit out finance options work

We offer a concise, 3-step process to make applying for a loan as simple and straightforward as possible:
  1. Apply: Talk to us. Tell us what you want from your fit out finance. What are your plans?

  2. Pre-Underwriting: Send us your application and we will review it, get a proposal sent for credit review and approve it within 48 hours

  3. Funds released: Once approved, your funds will be released and you can move forward with your plans

Apply today and let’s get started


Who is eligible for a fit out finance?

New start companies as well as established companies trading more than 3 years.

We treat all of our clients on an entirely individual basis. If you do not meet all of the above lending criteria, please contact us and we will be happy to see if one of our lenders can assist you.

Is fit out finance secured?

Yes, it will be secured only against the assets your are looking at financing.

How much can I borrow?

We can arrange business loans typically from as little as £10k to £5m. Contact us today to discuss your requirements for more information.

Is a fit out finance tax deductible?
Yes, if you go for a fixed term lease agreement you will benefit from 19% tax relief.
Do I need a deposit?
Typically speaking we will only require a 1 month payment upfront, depending on the lend amount the lender may ask for a 10% - 20% deposit.
Are there payment plans to help manage the cost of my office fit out?
Unfortunately not. We wouldn’t provide any businesses with funding if you are unable to afford the debt.
Do you supply other services than just finance?
We do not. We can make good coffee?
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Aintu Ltd T/A Union Business Finance is an independent Asset finance broker not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Aintu Ltd T/A Union Business Finance will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Aintu Ltd T/A Union Business Finance is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035. Aintu Ltd T/A Union Business Finance aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below;


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