$600k equipment and soft costs financed
Our client is a food wholesaler who had built annual revenue to nearly $20M using contract manufacturers for the production of their food lines. Whilst some business owners have been experiencing difficulties with their premises, this business found an opportunity to take up a factory that was ideal for their own manufacturing needs. The accounting analysis showed bringing their manufacturing in house represented a potential $2.5M year on year improvement to the bottom line.
Through one product we were able to fund a range of equipment from multiple suppliers as well as the soft costs of lighting, electrical, plumbing and design work. Without any deposits required the loan was approved within days of application and the invoices paid within a week.
Key Features of the Commercial Fitout Financing Solution
- $600,000 total finance package
- 4-year loan term
- No deposit required
- Multi-supplier capability under one facility
- Fast approval and settlement
- Covers equipment, installation, and all soft costs
- Preserves working capital and financial flexibility
Why This Solution was the Right Fit
Several factors made fitout finance in Australia the most suitable approach.
✔ It supported a multi supplier project.
The fitout involved machinery, trades, and professional services. A standard equipment loan may not have covered all soft costs. Fitout finance allowed everything to be wrapped into one facility, removing the need for multiple applications.
✔ It kept cash flow stable.
The client did not need to allocate large amounts of cash upfront. This stability was key because the business needed reserves for onboarding new staff and shifting production schedules.
✔ It matched the life of the assets.
A four year term aligned with the expected working life of the machinery and improvements. The repayments sat comfortably within operating margins even during the transition.
✔ It’s purpose built for complex fitouts.
Fitout finance is designed to cover both tangible assets and soft costs, an ideal match for projects involving construction, installation, and specialist equipment.
✔ It came with zero upfront expense.
With no deposit required, the business was able to preserve cash and maintain operational strength during the relocation.
✔ It delivered speed.
Fast approval meant the team could commit to the facility without worrying about delayed payments to suppliers.
Benefits to the Client
When you move premises with fitout finance, here are some benefits you can get:
Smoother transition into the new facility
With funding secured quickly, the client stayed on schedule. No supplier waited for payment, and the fitout progressed without disruption.
Freedom to focus on operations
Because no cash deposit was needed, the client had the breathing room to manage workflow changes, staffing, and production testing.
Improved long term margins
Bringing production in house reduced outsourcing costs and increased efficiency. The two and a half million dollar yearly improvement made the finance costs small by comparison.
A single loan instead of multiple facilities
One lender, one approval process, one repayment structure. This simplicity mattered for a growing business trying to keep internal administration lean.
Better control over quality and production scale
With their own equipment in place, the client gained full control over batch sizes, scheduling, quality, and future product expansion.
Other Ways to Use Fitout Finance
Fitout finance is not limited to manufacturing or large scale refits. Many businesses use the same structure to upgrade retail stores and office spaces without tying up cash. These projects often involve a blend of equipment, design, and trade work, which makes a bundled facility practical.
Retail fitout finance
Retailers often refresh their spaces to improve customer flow, update branding, or prepare for seasonal demand. Retail fitout finance can cover shelving, lighting, displays, point of sale systems, flooring, signage, and trade labour. Funding these items through one loan helps retailers upgrade without pausing operations or absorbing heavy upfront expenses.
Office fitout loans
Office upgrades usually involve data cabling, electrical work, partitions, ergonomic furniture, meeting room equipment, and workspace layout improvements. Office fitout loans spread these costs over a set term so businesses can adapt their workspace as they grow. This avoids the cash strain that comes with a complete office update.
Best Fitout Finance Options for Businesses
The best fitout finance option depends on project scope and timeline. Fitout finance works well when the project involves many suppliers and trade services. Equipment finance suits projects heavy in plant and machinery. Secured loans offer longer terms for large scale improvements. Private lenders can be helpful for businesses that need fast approval or flexible assessment. Each path allows businesses to complete upgrades without slowing day to day operations.
Why Fitout Finance Supports Strong Operational Growth
Fitout finance gives businesses the ability to upgrade or refit a space without heavy upfront strain on cash reserves. Spreading costs over a set term provides room to keep operations steady while still completing essential improvements. It also offers flexibility for multi supplier projects and delivers the speed needed when timelines are tight. For many businesses, it is a straightforward way to complete a fitout while keeping cash flow stable.
Disclaimer: Loans and their accompanying benefits are available only to those who qualify for them and have been approved. Though we put a lot of care into writing this article, the information presented within is general and doesn’t consider your unique situation. It is not meant to serve as a substitute for professional advice, and you should not rely on it solely for any major financial decisions. You should always consult with a professional when you’re dealing with finance, tax, and accounting matters.
Speak with us about fitout finance.
If you want to upgrade your workspace or plan a move into a new site, we can help you secure funding that suits the scale of your project. Our team can guide you through options that support equipment, soft costs, and full commercial fitouts so you can focus on running your business.
