I need to fund a shop fit-out before opening — how do I do it?

Fit-out lands as a big up-front cost before any income; a term facility spreads it so cash timing doesn't delay opening. Retail fit-out — shopfront, fixtures, signage, first stock — all lands before the first sale. The value is real, but it arrives after the outlay — a classic cash-timing gap.

I need to fund a shop fit-out before opening —

2 min read

Up front costBefore it earns

Pays backOver time

Spread itTerm finance

Why it costs before it earns

Retail fit-out — shopfront, fixtures, signage, first stock — all lands before the first sale. The value is real, but it arrives after the outlay — a classic cash-timing gap.

How to fund it

A business loan spreads the cost of a shop fit-out over the period it takes to start earning, so opening isn't delayed and your working capital stays intact.

Check the payback stacks up on the return-on-borrowing calculator before you commit.

Fund a real plan

Back a clear plan with a genuine return, not a hopeful one. Finance amplifies a sound investment; it can't rescue a vague one.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

How do I fund fit-out?

A business loan spreads the cost of a shop fit-out over the period it takes to start earning, so cash timing doesn't delay it. Check the return stacks up before committing.

Is fit-out worth borrowing for?

When the investment delivers a clear return — new revenue, capacity or savings — that beats the finance cost, yes. Model the payback and back a real plan, not a punt.