Business Fit-Out Loans
Finance your shop, office, or commercial fit-out. From retail stores to medical clinics, we help businesses fund their premises setup with flexible finance options.Finance your shop, office, or commercial fit-out with flexible terms.
All fit-out costs covered with flexible terms
Fit-Out Types
We arrange finance for all types of commercial fit-outs across Australia.
Costs Covered
Bundle all your fit-out expenses into a single manageable loan.
Why Finance Your Fit-Out?
Preserve cash flow while creating the perfect business space
All-Inclusive Financing
Finance the entire fit-out including construction, fixtures, equipment, and professional fees.
Preserve Working Capital
Keep your cash for operations while spreading fit-out costs over 2-7 years.
Fast Approvals
Get approved quickly so you can start your fit-out on schedule.
Flexible Structures
Options including chattel mortgage, equipment finance, and unsecured business loans.
Fit-Out Finance Options
Chattel Mortgage
Finance fixtures, fittings, and equipment with potential tax benefits. Claim GST upfront and depreciate assets over time. Ideal for businesses wanting to own assets and maximise deductions.
Equipment Finance
Specifically for equipment and fixtures within your fit-out. Competitive rates with the equipment as security. Good for separating equipment finance from other fit-out costs.
Unsecured Business Loan
For smaller fit-outs or businesses wanting flexibility. No asset security required. Based on business trading history and financials. Faster approval with less paperwork.
Line of Credit
Draw funds as needed during the fit-out process. Only pay interest on what you use. Flexible for staged fit-outs or when final costs are uncertain.
Fit-Out Finance FAQs
Common questions about business fit-out loans
A fit-out loan can cover most costs associated with establishing or renovating your business premises. This includes construction work, electrical and plumbing, flooring and painting, fixtures and fittings, signage, equipment, furniture, and even professional fees like architect and design costs. Some lenders allow you to bundle everything into a single loan.
It depends on the loan amount and type. Smaller fit-out loan...
It depends on the loan amount and type. Smaller fit-out loans (under $150,000) may be available unsecured based on your business financials. Larger amounts typically require security, which can be the fit-out assets themselves, other business equipment, or property. We can advise on the best structure for your situation.
Yes, though options are more limited for brand new businesse...
Yes, though options are more limited for brand new businesses. Lenders will want to see a solid business plan, your industry experience, and often a personal guarantee. Having a signed lease and deposit funds also strengthens your application. Franchisees often have better options due to the proven business model.
Fit-out loans typically range from 2-7 years depending on th...
Fit-out loans typically range from 2-7 years depending on the lender and asset types being financed. Shorter terms suit items that depreciate quickly (technology, soft furnishings) while longer terms may suit structural improvements and quality fixtures.
Many fit-out costs are tax deductible, either immediately or...
Many fit-out costs are tax deductible, either immediately or depreciated over time. The tax treatment depends on whether costs are capital or revenue in nature. We recommend speaking with your accountant about the specific deductions available for your fit-out. Chattel mortgage structures can offer good tax outcomes for many businesses.
Still have questions? Contact our friendly team