Finance lease · Renovation and fit-out finance
Finance lease for Renovation and fit-out finance
Renovation and fit-out finance is funding for the works that make a commercial premises usable — joinery, services, flooring, signage and equipment — spread across the lease term rather than paid from working capital.
How a finance lease works for Renovation and fit-out finance
Where fittings and equipment will be refreshed on a cycle rather than kept indefinitely — display systems, hospitality equipment, technology — a finance lease keeps payments fully deductible and leaves the end-of-term decision open. You can pay the residual and keep the items, or hand them back and refit with current equipment. For businesses in appearance-driven sectors that refresh every few years, that flexibility usually suits better than owning gear you intend to replace anyway.
The cash-flow pattern we plan around
A single large capital outlay before the refurbished premises trade, with disruption during the works and revenue benefits arriving over the following months.
What renovation and fit-out finance typically fund
- Shop, clinic or office fit-out on a new tenancy
- Refurbishing existing premises to lift trade
- Compliance, accessibility and services upgrades
- Signage, joinery and lighting
- Equipment installed as part of the works
Finance lease for Renovation and fit-out finance: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| Documents renovation and fit-out finance usually need | Signed lease with term and option details · Builder or shopfitter quote and scope of works · 6–12 months of bank statements or business financials |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Fit-out finance
Fit-out finance is lending for the non-removable works and fixtures that make a commercial tenancy operational, repaid over a term matched to the lease because the works have no resale value if the premises are vacated.
Lease term alignment
Lease term alignment is the practice of setting the finance term no longer than the remaining lease including exercisable options, so a business never pays for a fit-out in premises it has left.
What is a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.