Turn your fit-out quote into a fixed monthly payment. Oak Leasing arranges funding for retail, pharmacy, hospitality and office fit-outs, from single flagship sites to multi-country rollouts, and builds finance into shopfitters' proposals through vendor leasing programmes.
A quality fit-out changes how a business trades. It draws customers in, helps staff work better and lifts the value of the space. It also ties up a large amount of cash at exactly the moment you need it for stock, staff and opening.
Fit-out finance spreads the cost of fitting out or refurbishing commercial premises over fixed monthly payments. It covers the fixtures, joinery, refrigeration, HVAC, lighting, flooring and equipment that make up the finished space, and can often include installation and design costs.
Oak Leasing is a bespoke pan-European funding facilitator for equipment finance across the UK and Europe, established in 1992. We are not a lender. We structure each fit-out around your project, cash flow and timetable, then place it with the right funder from a panel of more than 40, in GBP or EUR.
We have financed thousands of fit-outs for clients ranging from multinational retailers and national pharmacy groups to independent restaurants, hotels and high-street shops. Every agreement is explained in plain English before you sign, with no hidden fees.
Fit-outs rarely fit neatly into an equipment schedule. A typical project mixes movable equipment, installed fixtures and labour. We structure the finance around that mix so the whole project can be funded together, rather than leaving you to cover the gaps in cash.
Soft costs such as installation and design can usually be included alongside the hard assets, subject to funder appetite and the overall project mix.
Flagship stores, convenience and CTN refits, supermarket refrigeration and full store refurbishments.
Pharmacy shopfitting, consultation rooms and dispensaries, from independents to national groups.
Front-of-house interiors, kitchens, bars and guest-room refurbishments. See also hotel equipment leasing.
Office fit-outs, Cat A and Cat B works, meeting-room technology and furniture.
Beauty, spa and aesthetic clinic fit-outs, including treatment equipment.
Unified funding frameworks for chains and franchise networks refitting many sites to one brand standard.
Fixed rentals over the life of the fit-out, typically three to seven years, with VAT spread across the rentals rather than paid upfront.
Own the assets at the end of the term, with capital allowances available from the start. More on hire purchase equipment finance.
For assets with a strong resale value, such as refrigeration or technology, keeping rentals lower and giving an upgrade path at term end.
Paid for the project in cash? Release that capital back into the business through asset refinance.
Clients rarely say no to a well-designed fit-out. They say "not yet" to the capital cost. An Oak Leasing vendor leasing programme builds finance into your quote, so the decision becomes an affordable monthly payment rather than a budget approval.
We handle the credit applications, documentation and payment to you, with the same plain-English approach your customers get. Programmes work for single-store upgrades and multi-site rollouts, and smaller projects from £10,000 are considered within the programme.
Brands expanding across Europe often find each country brings its own lenders, documentation and credit process. Oak Leasing works with more than 40 funders across over 30 countries, so a rollout spanning the UK, Ireland, Germany, France, the Netherlands, Spain or Italy can be funded under consistent terms and managed through one relationship.
For UK businesses fitting out with European-manufactured equipment, such as Italian refrigeration or German kitchen systems, we can arrange stage payment funding. The funder pays the manufacturer's stage payments, secured by an advance payment guarantee, and you pay only interest on those payments until delivery. It is a structure most main clearing banks will not offer.
European equipment leasing · European franchise equipment finance
We talk through the project, timetable, budget and sites involved.
A transparent quotation, structured for your cash flow and placed with the right funder.
Plain-English paperwork, explained before you sign.
We coordinate with your shopfitter so payments match the project schedule.
We stay with you through the term for additions, upgrades and your next site.
"We have had the pleasure of dealing with Oak Leasing for the last 15 years on three different projects. They have always delivered and found them to be very professional. I would never hesitate to recommend them."
S. Bhamra, Managing Director, Richard Adams Pharmacies Ltd
"We used John at Oak Leasing to finance some equipment for our first ever restaurant and couldn't have been happier. The service was smooth and efficient and John was knowledgeable and respectful."
David Chick, Managing Director, Hancock's Restaurants Ltd
Fit-out finance spreads the cost of fitting out or refurbishing commercial premises, such as shops, pharmacies, restaurants, hotels and offices, over fixed monthly payments instead of one large upfront payment. It typically covers fixtures, joinery, refrigeration, HVAC, lighting, flooring and equipment, and can often include installation and design costs.
Our focus is fit-out projects and rollouts from £100,000 to £10 million, in GBP or EUR. Smaller projects from £10,000 are considered within vendor leasing programmes run with shopfitters and fit-out contractors.
Often, yes. Installation, design and project management costs can usually be included alongside the hard assets, subject to the funder's appetite and the overall mix of the project.
Yes. We work with more than 40 funders across over 30 countries, so a multi-site rollout can be funded under consistent terms with one point of contact, rather than separate arrangements with local lenders in each country.
No. Oak Leasing is a bespoke pan-European funding facilitator for equipment finance across the UK and Europe, established in 1992. We structure each fit-out deal and place it with the most suitable funder from our panel. Fees are typically paid by the funder on activation.
Through an Oak Leasing vendor leasing programme. Finance is built into your proposal as a monthly payment, and we handle credit applications, documentation and payment to you, helping projects get approved faster. How to become a supplier.
Talk the project through with a Funding Director. Share the outline or your contractor's quote and we will come back with a clear, plain-English funding structure.
Oak Leasing Ltd · Established 1992 · Founding member of the Guild of Business Finance Professionals
Lynx House, Ferndown, Northwood Hills, Middlesex HA6 1PQ