Shop fit-out and refurbishment finance

Answer in brief

Shop fit-outs can be funded with asset finance, a business loan, or a mix. Hard items such as refrigeration and EPOS are easier to finance than shelving and decoration. Lenders will want to see that your lease is long enough to justify the spend.

Hard vs soft costs

Equipment you could resell is a hard asset. Decoration, signage and shelving are soft. Soft costs are often better funded with a loan.

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