Refurbishment and fit-out finance for businesses

What we can fund

• Office refurbishments and fit-outs

• Shop fitting and retail refits

• Hotel, pub and restaurant refurbishments

• Commercial kitchens and washrooms

• Lighting, flooring, partitions and ceilings

• Furniture, fixtures and equipment for the finished space

• Labour and installation, in many cases, alongside the materials

Why businesses lease their refurbishment

Refurbish now, not next year. A better space can lift sales, bookings and staff morale straight away. Leasing lets the improvement start paying back before it's paid for.

Keep your cash and credit lines free. A refurbishment can be one of the biggest one-off costs a business faces. Leasing leaves your working capital and bank facilities untouched.

Fixed monthly payments. One predictable cost over 3 or 5 years, with VAT usually charged on each rental rather than all at once.

Usually tax-efficient. Lease rentals are normally treated as an allowable business expense. Your accountant can confirm the position.

One agreement for the whole project. The fit-out, fixtures and furniture can often be funded together rather than through separate loans.

Typical situations we help with

These are examples of the kind of projects we arrange finance for:

• A professional services firm refitting its office with new partitions, lighting and furniture to support hybrid working.

• An independent hotel refurbishing bedrooms and the bar area ahead of peak season.

• A restaurant replacing its commercial kitchen and refreshing the dining room.

• A retailer refitting a shop with new shelving, counters and LED lighting.

• A gym or clinic fitting out a new unit before opening.

Why use Security Leasing

• One point of contact. You deal with David from first call to installation, not a call centre.

• We know the funders. We work with lenders who understand business equipment, so you aren't applying blind.

• Clear figures up front. You'll see exactly what you'll pay each month before you commit.

• UK and Republic of Ireland. Available 7 days a week on 07811 350386.

How it works

1. Tell us about the project. Share your contractor's quote or a breakdown of the works.

2. We find the right funder. Not every funder covers refurbishment, so we approach the ones that do and come back with clear monthly figures.

3. Sign and start work. One agreement. Your contractor completes the work and is paid by the funder, often in stages for larger projects.

4. Pay monthly. Fixed payments over the term.

Refurbishment finance FAQs

Can labour and soft costs be included?

Often, yes, alongside the materials, fixtures and equipment. How much of the project can be funded depends on the funder and the mix of works, so we'll confirm when we see the breakdown.

Do I need to own the building?

No. Tenants regularly refurbish leased premises. The funder may want to see that your property lease runs at least as long as the finance term.

Can furniture and equipment be included in the same agreement?

Usually. Many customers fund the whole fit-out, including furniture, AV and lighting, in one go.

How long does a typical agreement run?

We arrange terms of 3 or 5 years, so you can match the payments to the life of the refurbishment.

Who can apply?

Limited companies, partnerships, sole traders, charities and public-sector organisations across the UK and Republic of Ireland, subject to the funder's checks.