Use of funds
Fitout and renovation financefor the space you trade from.
Fit out a cafe, clinic, shop or office without turning the joinery into security. An unsecured business loan can cover the build so you can open, move or refresh.
See if you qualifyA fitout is a lump of cost that arrives before the new location is earning. Builders, joiners and suppliers want deposits. The lease is already ticking. That is a working-capital problem wearing a construction hat, and it is a common reason Australian businesses look for finance.
TurnoverLoans.com can fund fitout or renovations as an unsecured business loan. Collateral is not part of the qualification check. See if you qualify .
What a fitout loan is actually paying for
The useful definition is “the work that makes the premises tradable”: kitchens, treatment rooms, shopfronts, flooring, lighting, joinery, and the professional fees that sit around them. Some of that spend is closer to equipment — ovens, dental chairs, workshop plant. You do not need to split the project into two products to start the check. Tell us the purpose is a fitout or renovation and describe what it unlocks.
Leased premises are normal
Most fitouts happen in leased space. That is expected. We ask about leased premises in the full application, including whether lease payments have been late. It is not a trick question and it is not a reason to avoid the qualification check. How qualification works is the same sequence as any other purpose: trading history, turnover, then the rest.
Fitout versus working capital
If the premises are already trading and you need cash for suppliers, payroll or a quiet month, that is working capital, not a fitout. If you are building or refreshing the space itself, you are on the right page. The distinction matters because it is how we understand the risk — not because one is “allowed” and the other is not.