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Fitout Finance limit
up to $1 million

Our Fitout Finance solution is a convenient way to finance a range of business fitout needs such as shop, factory, warehouse and restaurant fitouts as well as retrofitting existing premises or relocating to new ones.
No soft cost caps
Bank statements only – no financials up to $250k
Manageable ATO debt considered
Fitout Finance limit
Up to $1 million
Interest rate

Based on the type of asset, age and property or non-property backed


No annual fees.
Establishment fee $499.

Up to 5 years
Minimum time in business
2 years +
Monthly in advance
avoid lengthy applications

Online application in
less than 5 minutes

All we need is a few business and personal details so we can verify you in real-time, avoiding a lengthy application. Link your bank account and we can service you on the spot.

Get started

Verify your ABN, mobile and Australian ID in real time.
Please Have the following ready:
ABN, Australian driver's licence or passport number and bank account details.

Link accounts

Link your business bank account for a fast decision

Get funded

If approved, get funded within 24 hours

Frequently asked questions

What is the minimum qualifying criteria for Fitout Finance?
We can assess any business with an Australian ABN that has been trading for 2 years or more with an annual turnover of at least $250,000.
How much can my business borrow?
Depending on the vehicle to be financed, we offer non-asset backed loans up to $100,000, asset-backed up to $250,000 with bank statements only and up to $1 million including full doc.
What documents are needed to process an application for Fitout Finance?
Our process is simple and can be completed online. We require a completed Application Form and 6 months of bank statements to process an application for Fitout Finance. Prior to funding, we will need the vendor invoice and identification documents for the purchaser.
What type of fitouts can be financed?
We offer finance for a range of business fitout needs, including shop, factory, warehouse and restaurant fitouts as well as retrofitting existing premises and relocating to new ones.
How long does it take to finance my fitout?
Once you sign the Facility Agreement, the funds are transferred to the vendor for the purchase on the same day.
Who can I speak to about my equipment finance options?

Our Relationship Managers are available to help you with any questions and at every step of the short and simple process. They can be reached on 1300 249 649.

Can I access extra funds in addition to Fitout Finance?
Yes. We also offer Working Capital Facilities, Term Loans and Business Overdrafts as well as a range of Asset Finance solutions to help with your other finance needs.
What loan terms are available for Fitout Finance?

The loan term for this product is 5 years, depending on the assets being financed.

Other business finance options

If you’re interested in other finance options for your business, explore our range of solutions below, or call us on 1300 249 649 to discuss your specific needs.

Business Overdraft
Manage cash flow
A flexible and convenient way to finance your working capital expenses including salaries, stock purchases, marketing, renovations and projects.
Learn more
Term Loan
Grow & expand your business
A convenient business finance solution of up to $1 million to support the growth and expansion of your business.
Learn more
Trade Account
A trade account to pay on your terms
Pay supplier invoices, ATO & utilities with a Shift trade account and improve cash flow by choosing more flexible payment terms.
Learn more
IDC DX Awards Winner
The Adviser - SME Loans under $250k - Broker product of choice
Linkedin Top startups award
Financial Review - Fast 100: 2018, 2020
Deloitte. Technology Fast 50 winner
Smart 50 - top 10 winner
Financial Review - Fast Starters

1300 249 649

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