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.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for retail & wholesale
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions 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.
Ready to fund the next bit of retail & wholesale kit?
Soft search. 24-hour decisions. No broker fees, ever.
Other sectors