Flexible Fit Out Finance
We provide flexible fit out finance for interiors in all businesses including retail, hospitality, beauty and hair salons, medical and ancillary treatment facilities, and offices in many types of enterprises.
Set-Up, Start-Up, Upgrade With Cost-Effective Fit Out Finance
Setting up, starting up or upping the interior of business premises can involve significant expenditure in costs for design, fixtures, fittings and furnishings, and installation. Where it is not workable to cover these costs with cash flow, we provide business owners with access to cost-effective fit out finance. Securing the most competitive interest rates for established and new businesses with our comprehensive range of credit facilities.
Why Aussies Choose Jade
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your commercial loan.
Get Pre-Approval
Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you are planning your fit out.
Business Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Fast Approvals and Minimal Downtime for Your Business Fit-Out
Our specialist brokers work with operators to source and structure individual fit-out financing solutions to suit cash flow, financial objectives and ROI, with workable terms and repayments.
Our streamlined application process and fast approvals contribute to minimising the downtime often required with fit outs. Ensuring finance is facilitated quickly to enable the purchases and works to get underway as soon as possible and the business to get back to business in the minimum time.
To discuss your specific requirements and what is involved in financing a fit out, speak with one of our brokers.
Fit Out Financing for Many Businesses and Industries
Many different workplaces across the full spectrum of industry sectors can require fixtures and fittings.
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Industry-Specific Fit Outs
The type of equipment and services required in a workplace fit out vary with the industry and the type of premises.
Wide Range Coverage
We provide loans for fit outs to cover a wide range of costs including for partitioning, workstations, storage units, desks, seating, racking, shelving, change cubicles, display units, treatment beds, basins and wash down areas, reception counters and desks, and furnishings for visitor and waiting areas.
Consultant Fees Covered
Consultant fees for interior designers and architects can also be financed, as can installation and any building costs.
Comprehensive Fit-Out Finance for Design, Build, and Installation Costs
Our brokers will work with you to discuss if separate loans are required for different expenses or if a single inclusive fit out loan solution is achievable.
- Retail, Hospitality, Medical, Office Fit Out Finance.
- Loans for workstations, partitioning, storage, fixtures, furnishings.
- Finance for Fit Out Design, Build and Installation Costs.
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Business Finance
Business Car Finance
Selection of Fixtures and Fit Out Loans for All Business Set-Ups
We provide a full selection of credit facilities to cover all aspects of financing a fit out. Fixtures, fittings, furnishings and equipment considered acceptable security by lenders may be financed with asset acquisition credit facilities. Individual large items or multiple smaller items may be included in the one loan package, where purchased through the same supplier at the same time.
Business owners can select the most suitable loan for fit out equipment to suit their business structure, objectives and accounting practices. The selection is Lease, Rent-to-Own, Commercial Hire Purchase and Chattel Mortgage. These credit facilities offer a highly affordable way to cover the costs of fit-out equipment.
We secure all asset acquisition financing at the most competitive fixed interest rates and over fixed workable terms to deliver a fixed monthly repayment schedule negotiated to work with cash flow. End of loan payments are available with all options – balloon, residual or buyback. Many businesses can be approved for no deposit fit out loans and many for no additional collateral required.
Design, building and installation costs, where provided through different suppliers from the equipment, may be financed with Unsecured or Secured Business Loans with collateral provided by business assets. Another option where these extra costs are less significant and operators seek to pay them off over a short term, is a Lender Overdraft.
Your Jade broker will review your specific project and advise if individual fit out loans or one inclusive finance package is possible and the most cost-effective solution. Get in touch today to get started.
- Fit Out Leasing.
- CHP and Chattel Mortgage Fit Out Financing.
- Rent-to-Own Fit Out Loans.
- Secured and Unsecured Business Loans for design, build, install costs.
- Fixed rates, fixed terms, fixed repayments.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Fit Out Finance FAQs
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Lease is one of several asset acquisition credit facilities which may suit the fixtures and fittings required for a fit out. The other facilities are Chattel Mortgage, Commercial Hire Purchase and Rent-to-Own. The most effective is the loan type that suits the accounting approach and financial objectives of the business.
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Design consultant costs would be a non-asset expense. These types of business expenses may be financed with a Secured or Unsecured Business Loan or an overdraft.
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Asset acquisition finance products offer tax deductions which vary with the different credit facilities.
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Equipment under finance may be used as collateral for the loan. Whether additional collateral is required is subject to lender assessment of the individual application.
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Where installation costs are provided by the same supplier and on the same invoice as the equipment, the entire cost may be included in the same loan. Where installation is being provided by a different supplier, a separate Business Loan may be required for the cost.
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Business owners can use online finance calculators as provided by brokers and lenders to obtain repayment estimates for budgeting.
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Interest rates vary with different loan products, with different lenders and with different applications.
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No deposit financing is subject to the lender assessment of the application. Businesses with strong applications can be approved to include the full cost in the loan.
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New businesses may not meet the standard criteria as set by banks and some lenders. This criteria typically includes having turnover and trading figures for a minimum of 12 months. They may seek No Doc and Low Doc loans through brokers and specialist lenders.
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Commercial credit applications require businesses to provide documentation on their financial position. These documents include tax returns, bank statements, profit and loss statements, turnover, asset and liability schedules and similar. An ABN is required.