Finance for the floor and the back room.
Shopfit, EPOS estates, cold storage, racking, delivery vans and the kit that keeps stock moving — funded with single-store and multi-site programmatic structures.
£29m+
Funded into UK retail
60mo
Typical shopfit term
0–10%
Typical deposit
9 days
Average drawdown
If it earns its keep, we've probably funded one.
Shopfit & joinery
Counters, gondolas, fitting rooms, signage, lighting, flooring. Funded as full fit-outs with one drawdown.
EPOS estates
Square, Lightspeed, Vend, Shopify POS, Cybertill — funded with hardware, terminals and chip-and-pin.
Cold storage
Walk-in freezers, multi-deck displays, blast chillers, prep fridges. For convenience, butchery, bakery, deli.
Warehouse racking
Pallet racking, mezzanines, shelving, conveyor systems. APR, drive-in, mobile racking systems.
MHE & forklifts
Counterbalance, reach trucks, pallet trucks, order pickers. Funded with charging infrastructure.
Delivery vehicles
Sprinters, Transits, refrigerated vans, panel vans for last-mile and wholesale routes.
How retail & wholesale deals usually structure.
Typical ticket
£25k – £180k per store/facility
Range we fund
£10k EPOS rollout → £500k warehouse fit-out
Term
36 – 60 months
Deposit
0 – 10%
Structure
HP for owned kit; lease for shopfit where landlord owns fixtures; refinance against installed FF&E ahead of expansion.
The usual pain.
Retail margins are watched closely
Mainstream lenders see thin retail margins and back away. Sector-specialists model footfall, ATV and conversion correctly.
Multi-site rollouts get bottlenecked
Each new store needing fresh credit slows expansion. We use programmatic facilities — pre-approved per-store budgets.
Soft costs blow the budget
Shopfit, install, lighting and signage often hit 50%+ of project cost. Sector-specialists fund the lot.
How we structure it.
Multi-site programmatic finance
Rolling facilities for retailers opening 3+ stores a year, with pre-approved budgets per location. 14-day per-store drawdown.
Soft-asset friendly
Shopfit, signage, lighting and joinery funded at 100%, not capped at 20%.
Wholesale-specialist lenders
Funders who understand cash-and-carry, foodservice distribution and traditional wholesale economics.
Helpful next steps for retail & wholesale businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
IT equipment finance
Explore finance options for EPOS, back-office technology and retail IT estates.
ExploreEquipment finance
Explore funding for shopfit, warehousing, fixtures and mixed retail asset packages.
ExploreHire purchase
Understand an ownership-transfer structure for productive business assets.
ExploreMonthly-cost calculator
Model indicative payment scenarios before discussing a store or warehouse upgrade.
ExploreRetail finance guide
Read guidance on asset finance for retailers and wholesale businesses.
ExploreQuestions retail & wholesale customers ask.
Can shopfit, EPOS and cold storage be in one agreement?
Yes — sector-specialists routinely bundle shopfit, EPOS, refrigeration and signage into a single facility. One drawdown, one direct debit.
What's the right structure for fit-out we don't own?
Finance lease — you pay rentals over the asset's useful life and the kit reverts to the landlord. Avoids paying for fixtures you can't take with you.
Are programmatic facilities available for chains?
Yes — for retailers opening 3+ stores a year. Pre-approved per-store budget, 14-day drawdown per location, one master facility.
Will lenders fund refurbished MHE?
Yes — refurbished forklifts and reach trucks are mainstream. Most lenders will fund kit up to 6 years old at start of a 5-year term.
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