Refurbishment funding for UK businesses
Your place needs a refresh but the bank account doesn't agree. It's one of the most common reasons UK business owners look at short-term funding. A tired-looking venue costs you customers. But draining your entire cash reserve to fix it up isn't an option either.
Last updated: April 2026
Common refurbishment projects businesses fund
Restaurant or cafe refit
New seating, kitchen upgrades, decor overhaul. Customers notice these things. The investment usually pays for itself quickly.
Pub or bar renovation
Beer gardens, new bars, flooring, lighting. Especially common before summer or after a lease renewal.
Salon or barber fit-out
New chairs, mirrors, wash stations. First impressions matter in this industry and the right look attracts better clients.
Retail shop refresh
New shelving, signage, lighting, flooring. A fresh-looking shop converts more footfall into sales.
Office refurbishment
Meeting rooms, open plan redesigns, better tech setup. Often needed when growing the team or moving premises.
Hotel room upgrades
Bedding, bathrooms, fixtures. Better rooms mean better reviews, which means more bookings.
Why flexible repayments make sense for refurbishments
Refurbishments can temporarily affect your takings, especially if you need to close for a few days or reduce capacity. Fixed monthly loan repayments don't care about that. You owe the same amount whether you're open or shut.
With a merchant cash advance or revenue-based finance, repayments flex with your income. If takings dip during the work, your repayments drop too. When the refurb is done and customers come flooding back, repayments pick up naturally.
Frequently asked questions
Can I use a merchant cash advance for a refurbishment?▼
Yes. MCA funds can be used for any business purpose including refurbishment, renovation, fit-out, and decoration. Many hospitality and retail businesses use MCAs specifically for this.
How much can I get for a refurbishment?▼
It's linked to your card turnover. Most providers offer between 1 and 1.5 times what you take in card payments each month. If your refurb costs more than that, we can look at other options too.
Will I have to close during a refurbishment?▼
That depends on the scope of the work, not the funding. Some businesses do phased refurbishments so they can stay open. The advantage of flexible funding like an MCA is that repayments adjust if your takings dip during any closure period.
How quickly can I get refurbishment funding?▼
Most alternative providers fund within 24 to 48 hours of approval. You could apply today and have money in your account by tomorrow. Much faster than a bank loan for a commercial renovation.
Real customers. Real reviews.
Verified on Trustpilot
“Great service, slick, helpful and kept informed throughout the whole process. I have been able to push my business in the direction I want it to go as a result.”
“Alex was fantastic and made the process smooth. Highly recommend.”
Got a refurb in mind? We can help fund it.
Tell us how much you need and we'll come back with options from our panel. Usually within 24 hours. Completely free.