Fitout Finance.
Fit out your commercial premises without depleting your working capital. Whether you're opening a restaurant, retail store, or office, we fund the full scope of your fitout across 60+ lenders - so you open on time and trade from day one.
Get a free quote
Won't affect your credit score.
What can we help you with?
Who It's For
Fitout Finance Across Every Industry
If your business needs a commercial fit-out to operate, we can structure the right finance for it.
Restaurants & Hospitality
Finance commercial kitchens, bar fit-outs, dining furniture, cool rooms, and front-of-house fit-out costs - without draining the capital you need to launch and operate.
Retail Stores
Fit out your shopfront with display fixtures, signage, point-of-sale systems, and storage - spreading the cost over the lease term while your store generates sales from day one.
Offices & Co-Working Spaces
Finance partitioning, workstations, meeting rooms, AV and IT infrastructure, reception areas, and all the fit-out elements that make a workspace functional and professional.
Medical & Dental Practices
Fit out consulting rooms, treatment areas, reception, and waiting spaces with specialist medical fit-out finance - tailored to practice cash flows and equipment lifecycles.
Gyms & Fitness Studios
Finance gym equipment, flooring, changerooms, reception, and the full interior fit-out of your fitness facility - structured around your membership ramp-up period.
Salons & Beauty
Fit out your hair salon, beauty clinic, or day spa with the equipment, furniture, and fittings you need - without the upfront capital hit of a full fitout purchase.
Run The Numbers
Calculate your fitout finance repayments
Enter your loan details
Estimated repayment
$2,562.64 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why Finance Your Fitout Instead of Paying Cash?
Preserved Working Capital
Keep your cash for operations, inventory, and staffing. Finance covers the fitout cost while your premises generates revenue from day one.
Trade-Ready Faster
Access the full fitout budget upfront - no staged funding constraints that slow construction. Get your premises finished and trading on schedule.
Fixed Repayments
Predictable monthly repayments make budgeting straightforward - no surprises as you ramp up revenue in the first months of trading.
Revenue from Day One
A fully fitted premises drives revenue immediately. The income your fit-out generates helps service the loan - making fitout finance self-funding over time.
Tax Deductible Interest
Interest on business fitout finance is generally tax deductible, reducing the effective cost of borrowing and improving your after-tax cash position.
Covers the Full Scope
One facility covers construction, fixtures, furniture, equipment, signage, and IT - no need to piece together multiple loans for a single project.
Why Co-Pilot
Why Co-Pilot - not just any broker
Fitout Finance Across All Industries
We work with lenders who understand fitout lending - from hospitality and retail to medical and professional services. The right lender for your industry, not a generic business loan.
Unsecured Options Available
Many fitout facilities are available without property security - particularly for established businesses. We identify the right structure for your financial position.
Full Scope Funding
We structure the facility to cover your complete fitout - trades and construction, fixtures, furniture, equipment, and technology - under a single loan.
Fast Approvals
Fitout timelines are tight. We move quickly - straightforward applications are approved within 24-48 hours so your contractor isn't waiting on finance.
60+ Lenders on Panel
Access to major banks, non-bank lenders, and specialist business financiers - we search the full panel to find the most competitive rate and terms for your fitout.
Eligibility
Fitout finance eligibility - most established businesses qualify
Fitout finance eligibility varies by lender, fitout size, and business profile. Many lenders offer unsecured options for established businesses - we'll match you with the right one before you apply.
- Active ABN - minimum 6-12 months trading history for most lenders
- Business financial statements or BAS for the past 12 months
- Fitout quote or scope of works from your contractor
- Signed lease agreement for the premises being fitted out
- Satisfactory business and personal credit history
- For larger fitouts: projected cash flow or business plan may be required
New business or no existing premises? Talk to us - we work with lenders who consider business plans and projected cash flows, not just trading history.
Ready to start your fitout?
Have your contractor quote ready? Share it with our team and we'll find the right lender and structure - approval in as little as 24-48 hours so your fitout stays on schedule.
Hear What Our Clients Are Saying
“We cannot recommend James highly enough. From the very beginning, he was absolutely phenomenal throughout the entire process. His communication was outstanding — always available 24/7 to answer any questions, provide updates, and genuinely support us every step of the way. James made what could have been a stressful experience feel smooth and manageable, always acting with professionalism, kindness, and care. Nothing was ever too much trouble for him, and we truly felt like he had our best interests at heart the entire time. His knowledge, dedication, and willingness to go above and beyond completely exceeded our expectations. We literally cannot fault him and are so grateful for everything he did for us. If you’re looking for a broker who is reliable, responsive, and genuinely amazing at what he does, James is the one.”
Eve McAlea
FAQ
Common Questions About Fitout Finance
Open on Time with Fitout Finance.
Don't let capital constraints delay your opening or compromise the fit-out. Tell us your fitout scope and we'll fund the full project across 60+ lenders - with approvals in as little as 48 hours.
No impact to your credit score