Fit out finance & leasing to cover the cost of refurbishing your business premises
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.
FIT OUT FINANCE
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
- Lighting
- Signage
- EPOS
- Kitchen equipment
- Security systems
- Suspended ceilings
- Display & Storage
- Air Conditioning
- Heating
- Flooring
- Furniture
- Partitioning
- +More
Fit Out Finance Calculator
Here Is Your Finance Illustration
- Monthly Payment :
- Estimated Interest Rate : 5%
- Total Amount Payable :
*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.
FAQs
Fit-out finance, also known as commercial fit-out finance, is a type of financing that is specifically designed to help businesses with the costs associated with fitting out a commercial space.
Fit-out finance allows businesses to spread the cost of fitting out a commercial space over a period of time, rather than having to pay for it all upfront. This can make it easier for businesses to budget for the costs associated with fitting out a space.
Fit-out finance can be tailored to the specific needs of each business by offering different finance products and terms to match the project size, credit score, and cash flow of the business.
By financing the fit out of a commercial space, a business can free up cash flow that can be used for other purposes, such as expanding the business or investing in new equipment.
By financing the fit-out of a commercial space, a business can make improvements that will increase the value of the space, making it more attractive to customers, tenants and staff. This can lead to increased sales and higher rental income, which can help to improve the overall financial performance of the business.
By financing the fit-out of a new location, a business can take advantage of new opportunities and reach new customers. This can help to grow the business and increase its overall profitability.
Yes, businesses usually need to have a detailed business plan, good credit, and a clear understanding of the terms and conditions of the loan.
Yes, it’s important to compare different financing options and choose the one that offers the best terms for your business, which is what First Oak Capital will do for you.
Fit-out finance can help small businesses to manage the costs associated with fitting out a commercial space, free up cash flow, improve their bottom line and expand their business.
As with any loan, there is always the risk of defaulting on the loan and losing the collateral. It’s important to carefully consider the terms and conditions of the loan and make sure that the business can make the loan payments on time and in full.
We provide funding for fit outs in the following sectors:
- Hospitality
- Retail
- Office
- Warehousing
- Care Homes
- Garage workshops
- Industrial
- +More
We can provide fit out finance to business owners, landlords and property developers.
We are a refurbishment, redevelopment, and relocation leasing and asset finance company
As an independent, privately owned business, First Oak Capital can provide the kind of personal and bespoke service that we would want for ourselves.
The fit-out sector is one of our specialties, as our expertise is in finance, leasing and asset finance. Having access to over thirty finance companies in the UK, we aim to be able to accept credit applications from over 90% of clients.
Due to our team’s experience in working with UK companies seeking funding for these types of projects, we are confident that we can assist you.
You have the option of offsetting your fit-out finance costs against your current tax liability, allowing you to keep any cash you need in case of future opportunities or emergencies.
If you are a fit-out provider or your offer equipment often used to complete a fit-out, First Oak Capital can partner with you to offer finance solutions to your potential customers, in order to increase sales. See our partner program page for more information on how we can help.
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.
