Shop fitting finance up to £500,000

Borrow £1,000 – £500,000 for 1 day to 2 years with our flexible business loans.

24 hours to get a decision

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No fees for repaying early

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What is shopfitting finance?

Shopfitting finance is a finance option used by retail businesses to help purchase shopfitting equipment that is used within a shop, such as a counter, shelves, or mannequins. 

Retail businesses can take out a Business Loanwhich allows a business owner to repay a loan by committing a percentage of their monthly card sales that they generate.

There is no interest charged on a Business Loanunlike other credit lines such as asset finance or equipment leasing. Instead, there is an upfront fixed fee that needs to be paid.

How can I apply for shopfitting finance for my retail business?

If you’re looking for business finance to help with fitting your shop, you can apply for a Business Loanusing the online application at the For Kredit website.

The online application is super simple to complete and guides applicants through what they need to provide.

How much money can I get from a Business Loanfor shopfitting?

Businesses looking for shopfitting finance can apply for a Business Loanbetween £1,000 – £500,000.

Is my business eligible for shopfitting finance?

Businesses looking for shopfitting finance in the form of a Business Loanmust meet the following criteria:

  • Proof that the business has been trading for a minimum of six months.
  • The business must generate a minimum of £1,000 in monthly card sales.
  • The owner of the business is a UK resident and over 18.
  • The business is registered as a limited company.

How does a Business Loanwork?

We provide shopfitting finance in the form of a merchant cash advance. Below we explain how a Business Loanworks in progress.

  1. A business owner decides to borrow £50,000.
  2. As there are no interest rates with a merchant cash advance, the applicant is required to pay a fixed fee upfront. The borrower is offered a fixed fee of 10% which brings the total cost of the cash advance up to £55,000.
  3. The borrower then has to decide the percentage of their future monthly card sales they would like to commit to repaying the borrowed amount. In this case, the borrower decides to contribute 20% of their business’s future card sales to repay the loan.
  4. In the first month the business makes £10,000 worth of sales, therefore £2,000 (20% of £10,000) is transferred to the lender. The next month, only £8,000 in card sales are made therefore £1,600 (20% of £8,000) is transferred to the lender to repay the loan.

This process essentially continues every month until the business has repaid the full loan amount back to the lender.

How does a business benefit from shopfitting finance?

Updating the look of a shop

Sometimes retail shops must update the aesthetics of their shop in order to not look outdated. This might include purchasing new shop equipment which can be used to try and attract new customers or to simply provide the shop with a more pleasant aesthetic.

Purchasing new equipment

Sometimes it is necessary to purchase new retail equipment to ensure that the business runs smoothly. Typical examples include new shop counters, signage or even new tills. A Business Loanprovides an opportunity to help retail businesses ensure that their business is up to date with the latest equipment.


If a business is going well, they may wish to seize opportunities to expand their business such as opening a new shop. However, not all businesses may have the necessary cash flow or working capital to make expansion possible. A Business Loancan help provide quick funding for businesses that are looking to raise capital to expand their business.

What types of businesses can apply for a merchant cash advance?

business loans are not limited to shopfitting. business loans can be used by businesses from a whole host of different industries, provided they accept card sales. Below are some of the industries that can benefit from merchant cash advance:

Can I apply for shopfitting finance if I have bad credit?

Yes, business owners can apply for a Business Loandespite having a poor credit score. This is because the Business Loanis determined by the performance of the company in the form of card sales. 

Find the right loan for your business

  • Loans from £1k to £500k
  • No fixed repayments
  • No collateral needed

Will You Qualify For A For Kredit Loan?

There are four main criteria for qualifying for a For Kredit loan.

If you can answer yes to all of these, then you have a good chance of being approved.

You’re a director with a UK address

You’ll also need the relevant documentation to prove this – a passport or a birth certificate are fine.

You’re a UK limited company or limited partnership

We only work with UK businesses.

You have a turnover of at least £10k

We can accept applications from all businesses (no matter the age or industry)

You have been trading for over 6 months

Your business must be at least 6 months old to be accepted.

A Simple Application Process

  • Apply online in 5 minutes

    Decide how much money you need to borrow and fill the online application with all your details.

  • Approval in just 24 hours

    Once your business loan has been authorized, you have the flexibility to transfer the required amount to your bank account. The funds will be deposited into your account within just a few hours.

  • Borrow up to 2 years

    How you pay back your business loan depends on your situation. If you want to pay it back early, there won't be an extra fee.

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