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Restaurant Fit Out Finance
Secure Funding for a Restaurant Fit Out
Transform Your Restaurant's Vision with Find A Restaurant and Mill Wood Finance fit out financing:
When it comes to financing a restaurant, there are no shortage of lenders who may finance tangible assets like CCTV, furniture, or catering equipment. Many lenders offer mortgages and secured loans to purchase or develop restaurant properties, and leasing companies can finance these tangible assets. However, what often goes overlooked are the crucial fit-out and soft costs—including surveys, design, decorating, and other foundational expenses. This is where Find A Restaurant steps in to fill the gap.
In today’s hospitality industry, first impressions are everything. The ambiance, aesthetic and interior of your restaurant tell a compelling story, setting the tone for your guests’ experience and reflecting the quality of your food and service. From the initial fit-out to ongoing maintenance, the right fixtures and fittings speak volumes about your restaurant’s vision and commitment to quality.
At Find a Restaurant, we’ve partnered with Mill Wood Finance to provide specialised support for your fit-out financing needs. With over 25 years of experience, Mill Wood Finance has the expertise to manage the most complex applications, looking beyond just the numbers to highlight the commercial viability of your restaurant fit-out to potential lenders.
Mill Wood Finance’s process is designed to be seamless, from initial application through to final approval. Mill Wood’s industry-savvy team will help match you with the right lender, keep you informed at each stage, and ensure your fit-out financing aligns perfectly with the vision of your restaurant.
Let Find a Restaurant and Mill Wood Finance guide you in making your fit-out a smooth process, and your restaurant’s first impression unforgettable for your guests.
In order to acquire the idyllic environment and setting for your restaurant, we have finetuned and streamlined our process to make it easier than ever to secure the appropriate financing support.
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Step 1 |
Step 2 |
Step 3 |
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Sort a consultation to identify and create a refurbishment plan tailored to your business. |
We create a compelling business case for your fit out finance request, submitting it to the relevant panel of lenders. Any appropriate permits will be discussed ahead of planned submission. |
Once approved, your fit out finance package will be fully processed to allow for available funds so your desired refit can begin. |
Fit out your restaurant with essential assets
Our clients have seen exponential success from a full refit, helping to transform the everyday feel of their establishment. Financing the correct level of support can allow for the acquisition of restaurant assets.
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Key Assets |
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Bar |
Lighting |
Flooring |
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Decorative items |
Restroom facilities |
Furniture |
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Air conditioning |
Heating |
ePOS system |
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Catering equipment |
Digital signage |
CCTV |
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Speaker system |
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The upsides to fit out financing
At Find A Restaurant, our desire is to provide the best possible financial foundations to help a restaurant's growth exceed expectations. The level of support our financial partners not only empowers your business for an extensive fit out, but creates a solution that is inline with your current and future projections:
- Reduce upfront costs - minimise initial expenses to spread the cost over affordable monthly repayments, helping to free-up funds for other prominent areas.
- Simple cost allocation - agreed payments and dates are set in stone beforehand to give you peace of mind regarding each necessary acquisition for your restaurant fit out.
- Advantageous tax benefits - asset finance can present advantageous tax benefits as opposed to purchasing items up front, although it is always important to seek independent tax advice
Refit vs refurbishment
Why should you seek financial support for a refit above a refurbishment?
A refit is often seen as going above and beyond a refurbishment due to the comprehensive renovation across all aspects of the facility. During a refurbishment, restaurant owners will look to revitalise interior and exterior aspects for an improved aesthetic. Kitting your restaurant out with a refit, however, will:
- Transform performance - embrace the chance to make wholesale improvements to the efficiency of functional elements within your restaurant for an improved workflow.
- Improved equipment - enhance the operations of your restaurant with upgraded equipment, in line with industry standards and meeting recommended energy & sustainability guidelines.
- Instill a new ethos - utilise this chance to fit out your restaurant in a way that provides staff with added motivation and pride to work in their new environment. This will naturally lead to increased levels of customer satisfaction.
- Leap ahead of competitors - position your restaurant to stand out from competitors.
Our partners will help guide you through the following key considerations required when undertaking a full fit out of your restaurant:
Construction permit from the local council, planning permission, building regulations compliance with the relevant statutory bodies, building notice, compliance to inspection, full health & safety checks to be approved by HSE for projects exceeding 30 days, licensing, food hygiene, alcohol license, pest control, PRS for the right to play copyrighted music
