Fit out finance

Fit out finance & leasing to cover the cost of refurbishing your business premises

Warehouse fit out finance

Finance your fit out and conserve cash flow

Whether you’re furnishing your office with furniture, installing air conditioning, or making your office more efficient with partitions. Our fit-out finance solutions can help you achieve your goals.

First Oak Capital provides you with the capital you need and arranges payment to your suppliers in order to relieve some of the stress of managing your project.

Refurbishment or complete fit-out projects take significant capital investment and serious planning, often involving multiple suppliers demanding different payment terms and schedules.

Fit-out finance is not just for offices, we can also help with care homes, warehouses, restaurants, hotels and retail shops.


Lease or buy

Rates from 3.5%

Borrow £10k – £5M

12 – 84 month terms

New or used equipment

With the current economic climate, it doesn’t always make sense to use cash reserves to pay for your fit-out. Even though interest rates have risen slightly in recent times, they are still historically quite low. Instead spread the cost over 1-5 years and offset the charges against your tax bill.

First Oak Capital provides finance for the fit-out of any business premises by using a mixture of business loans, leasing, and asset finance and can cover up to 100% of fit-out and project costs if required. Payments to your suppliers can also be staged in order to satisfy their individual terms.

Whether you are starting up, expanding, or relocating, we have a range of fit-out finance solutions to help you complete your project, protect your working capital and lower your blood pressure!

  • Fit-out loans from £5000
  • Typical terms from 2-5 years
  • We can finance the total project
  • High acceptance rates
  • Preserve cash flow & existing credit lines
  • Tax efficient rentals
  • Staged payments for suppliers
  • Cover ancillary costs, eg installation and consultancy fees
  • Lease, HP and loans available
  • Quick credit decisions
Retail shop fit out finance

Fit Out Finance Calculator

Here Is Your Finance Illustration

  • Monthly Payment :
  • Estimated Interest Rate : 5%
  • Total Amount Payable :

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*This interest rate is for illustrative purposes only, your interest rate may differ and will be confirmed during your application.

Credit score information

Excellent : This category is for companies with an outstanding credit rating. Your business will be profitable, well established, and have a consistent or growing turnover. With no missed payments.

Fair : This category is for companies with a decent credit rating. They have a history of making payments on time, with possibly a few missed or late payments in the past.

Poor : This category is for companies with a poor credit rating or who may have had financial difficulties in the past. This could include a County Court Judgments (CCJs) on their record.

restaurant cafe fit out finance


Fit-out Finance Questions? Let’s Talk.

For further information regarding financing your fit-out or refurbishment, please give our friendly team a call. We’re open Monday – Friday, 9.00-5pm. Or if you’re ready to get started, click the button below.

Matt Whiteman

I hope you found this page useful

If you still have questions about financing your next fit out book a call with me..


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