Fitout & Refurbishment Finance
Fund your fitout, renovation, or refurbishment project — from one of the few lenders that does.
$25k – $500k
Project size
Up to 5 years
Repayment terms
4–48 hrs
Typical approval
Fixed rate
Rate certainty
Not many lenders finance fitouts — we do
Most banks and lenders won't finance a fitout or refurbishment project. There's no tangible asset to repossess like a vehicle or piece of equipment — so they say no.
CFI sees it differently. We understand that the value is in the business, not just the fixtures. Whether you're fitting out a new location, refreshing an existing space, or meeting franchise refurbishment obligations, we can fund the total project cost — equipment, fixtures, installation, and builder costs — all wrapped into a single Business Loan.
One facility. One fixed repayment. Fast approval from a team that understands what you're building.
What can you finance?
A CFI fitout loan covers the full scope of your project — not just the equipment.
New store fitouts
Complete fitout for a new retail, hospitality, or service location — from bare walls to opening day.
Franchise refurbishments
Meet your franchisor's refurbishment obligations without draining cash reserves.
Renovations & upgrades
Refresh an existing space to stay competitive, expand capacity, or attract more customers.
Relocation fitouts
Moving to a bigger or better location? Finance the fitout so you can invest your cash in the business.
How it works
Tell us about your project
Describe your fitout or refurbishment and provide a quote or cost breakdown from your builder or supplier.
Get assessed
Our credit team reviews your application in-house. Most decisions are made within 24–48 hours.
Get funded
Once approved, funds can be released as a lump sum or in stages as your fitout progresses.
How fitout finance works
Fitout finance from CFI is delivered as a Business Loan — purpose-built for fitout and refurbishment projects.
One facility
Wrap equipment, fixtures, installation, builder fees, and other setup costs into a single loan — no need for multiple finance arrangements.
Progress payments
We can release funds in stages as your fitout progresses, so you don't need to find the full amount before work begins.
Fixed repayments
Your rate is locked in for the full term. One fixed weekly or fortnightly repayment — no variable-rate risk, no surprises.
What you'll need
Australian Business Number (ABN)
An Australian resident or permanent visa holder
A quote or cost breakdown from your builder or supplier
Evidence of existing business or a franchise agreement
Basic financials — we'll guide you through what's needed
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI?
One of the few that does this
Most lenders won't finance fitouts because there's no resaleable asset to repossess. CFI understands that the value is in the business, not just the fixtures.
One facility, one repayment
Wrap equipment, fixtures, installation, and builder costs into a single loan with one fixed repayment. No juggling multiple finance arrangements.
Progress payments available
We can release funds in stages as your fitout progresses, so you don't need to find the full amount upfront. Pay your builder as work is completed.
Common questions
Is fitout finance different from a business loan?
Fitout finance from CFI is delivered as a Business Loan — same product, same fixed rates, same fast approval. The difference is that we understand fitout projects and can structure the loan to suit, including progress payments to your builder or supplier.
My franchise requires a refurbishment — can you help?
Absolutely. Franchise refurbishment obligations are one of the most common reasons people come to us. We work with franchisees across Australia who need to meet their franchisor's refresh or refit requirements, and we understand how the timelines and costs work.
Can I finance just the equipment part of my fitout?
Yes. If you only need to finance specific equipment or fixtures, our Equipment Finance product may be a better fit. But if your project includes a mix of equipment, fixtures, installation, and builder costs, a fitout loan wraps everything into one facility.
Do I need to pay my builder upfront?
Not necessarily. We can structure progress payments so funds are released in stages as your fitout progresses. This means you don't need to find the full amount before work begins.
Can the interest rate increase?
No. Your rate is fixed for the term of the loan. Your repayment amount is confirmed before you sign, so you know exactly what to expect.
How much do I need to contribute myself?
It depends on the project and your circumstances. A CFI Finance Specialist can give you a clear picture based on your situation — talk to us and we'll work through it together.
More questions? See our full FAQ or get in touch.
Ready to discuss your fitout project?
Talk to a CFI Finance Specialist about funding your fitout or refurbishment.