Fitting out a new office, shopfront, medical practice or hospitality venue can be one of the most exciting — and expensive — stages of business growth. At IFGroup, we understand that every fitout is unique, and so are the financial needs behind it. That’s why we offer a range of fitout finance solutions to help Australian businesses bring their spaces to life without compromising cash flow.

Whether you’re upgrading your retail store, expanding a medical clinic, or launching a new café, understanding the types of fitout finance in Australia can help you make the best decision for your business.

1. Unsecured Fitout Loans

An unsecured business loan is ideal for businesses that need fast access to capital without offering collateral. This type of loan is perfect for smaller or low-risk fitouts and offers:

• Quick approval and funding

• Flexible repayment terms (typically 6–36 months)

• No asset security required

It’s a great option if you’re planning a shop fitout or office refresh and want to keep existing assets unencumbered.

2. Secured Fitout Loans

For larger or more complex projects, a secured loan may offer lower interest rates and longer repayment periods. By leveraging property, vehicles, or other business assets as security, you can:

• Access larger loan amounts

• Reduce borrowing costs

• Extend repayment terms (up to 7 years)

This structure is often used for commercial fitout financing in sectors like hospitality or healthcare, where upfront costs are significant.

3. Equipment Finance for Fitouts

Many fitouts require specialised equipment — from commercial kitchen appliances to dental chairs and display lighting. Equipment finance allows you to fund these assets separately through:

• Chattel mortgages

• Finance leases

• Rental agreements

The advantage? You spread the cost over time, often with tax benefits, while preserving capital for other business needs.

4. Business Line of Credit

A business line of credit gives you flexible access to funds as you need them. Rather than taking out a lump sum upfront, you draw down only what’s required for each stage of your fitout, paying interest only on what you use.

This is particularly useful for phased projects or when dealing with unpredictable costs, like council approvals or design variations.

5. Fitout Leasing Options

In some cases, fitouts can be financed via operating leases or fitout rental agreements. These allow you to:

• Avoid large upfront payments

• Keep repayments off the balance sheet

• Upgrade or return the fitout at lease end

While less common, this option can suit businesses with short-term leases or those seeking maximum flexibility.

Choosing the Right Fitout Finance

At IFGroup, we don’t believe in one-size-fits-all solutions. We take the time to understand your business model, cash flow patterns, and long-term goals before recommending a tailored fitout finance solution. Our team works with Australia’s top lenders to secure competitive rates and terms — whether you’re after a fitout loan for your retail store, a café fitout finance package, or funding for a dental clinic upgrade.