Quick answer
Fitout finance funds the build-out cost of retail stores, hospitality venues (cafes, restaurants, bars), professional offices and clinics — including cabinetry, joinery, kitchen and bar equipment, refrigeration, lighting, flooring, signage, security and AV. Most NZ fitout finance is structured as hire purchase or chattel mortgage on the itemised supplier invoices. Indicative rates from ~7.6% p.a. with terms typically 36–60 months matched to the lease term and useful life of the fitout.
What we finance
- Retail shop fitouts — cabinetry, displays, lighting, POS
- Cafe, restaurant and bar fitouts — kitchen, refrigeration, joinery
- Office fitouts — workstations, partitions, meeting rooms, AV
- Clinic and salon fitouts — chairs, cabinetry, treatment rooms
- Signage, branding and exterior fitout
- Security, access control and CCTV
At a glance
| Typical structure | Hire purchase or chattel mortgage on itemised invoices |
| Indicative rate | From ~7.6% p.a. (prime borrower) — subject to credit |
| Typical term | 36–60 months (matched to lease and useful life) |
| Typical max finance | Up to 100% of itemised supplier invoices (established business) |
Indicative only. Actual offers depend on lender credit assessment, the asset, deposit and your business profile. All applications subject to lender credit approval.
Lenders we typically match
Subject to each lender's credit assessment. Not all lenders quote on every enquiry.
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