Business finance
New site, new fit-out
Fit-outs are rarely one clean invoice. Equipment, joinery, building works, signage and soft costs all sit differently with lenders. We break the project into what can be asset funded and what needs a different structure.
Project split
The right structure depends on whether spend relates to equipment, removable assets, improvements or other business costs.
Staged spend
Fit-outs run in stages. Funding can often be arranged to match progress payments, subject to lender policy.
Landlord and lease reality
Lease term and premises type influence what lenders will fund. We check that early, not late.
What we can finance
Fit-Out & Expansion Finance — the detail
A broad view of what fits under this category. If what you're buying isn't listed, ask us anyway — unusual assets are our favourite kind of problem.
Fit-out types
- Office
- Medical
- Dental
- Retail
- Hospitality
- Warehouse
- Workshop
- Gym and studio
- Franchise fit-outs
The appropriate finance structure depends on the individual project and whether expenditure relates to equipment, removable assets, improvements or other business costs.
Run the numbers
See what it looks like before you commit
Estimates only — but a good place to start a real conversation.
A balloon lowers the monthly repayment but increases total interest paid.
Estimated monthly repayment
$933.91
$215.68 per week equivalent
Amount financed
$45,000
Balloon at end of term
$0
Total of repayments (incl. balloon)
$56,034
Excludes lender and broker fees, which vary by lender and product.
This calculator provides estimates only and does not constitute financial advice, a finance approval or a guarantee of business performance. Actual repayments, costs and business outcomes may differ.
Structure considerations
The things worth thinking about before you sign
What follows is general information about how commercial facilities can be structured. What applies to your business depends on your entity, the asset, the lender and advice from your own accountant.
Capital purchase or usage-based
Some businesses prefer to own the asset outright over time; others prefer a facility that behaves more like an operating cost with a defined end value. Which is appropriate depends on how long you intend to hold the asset, expected utilisation and your own accounting position.
Balloons and residuals
A balloon or residual can reduce the periodic repayment but increases the amount owing at the end of term and can increase total cost. Availability and limits vary by lender, asset type and age.
GST and the purchase price
Where a business is registered for GST, the treatment of GST on the purchase and on the facility can differ between products. This is a matter for your accountant or tax adviser based on your registration and reporting position.
Depreciation and deductibility
Depreciation, interest deductibility and any concessions that may apply are determined by tax law and your circumstances — not by us. We are happy to provide the finance detail your adviser needs to form a view.
Term matched to the asset
Lenders generally look for a term that reasonably reflects the useful life of the asset. Longer terms lower repayments but increase total interest; acceptable terms vary by asset type, age and lender policy.
Seasonality and repayment timing
Where a business has a genuine seasonal pattern, some lenders may consider structures that reflect it. Availability is not universal and is subject to assessment.
Working with your adviser
We work alongside your accountant, not around them
Your accountant knows your numbers and your tax position. We know lender policy and how facilities are structured. The best outcomes happen when both sides are in the same conversation — and we are happy to have it directly with them.
- We are happy to speak directly with your accountant, bookkeeper or adviser (with your permission)
- We provide the facility detail, structure options and figures your adviser needs to form a view
- We do not provide tax, accounting, legal or investment advice
- We will not push a structure your adviser is not comfortable with
- Where a deal has an existing broker or adviser relationship, we work alongside it rather than around it
Information about accounting, tax, GST, depreciation or deductibility is general in nature only and does not take your circumstances into account. Finsterl Finance is not an accountant, tax agent or financial adviser and does not provide tax, accounting, legal or financial product advice. Please obtain advice from your own qualified adviser before making a decision. All finance is subject to lender assessment, eligibility criteria, terms and conditions.
Start here
Map out my fit-out funding
Two short steps and a real specialist picks it up — usually the same business day.
Not sure which option fits?
Tell us what you're buying and we'll tell you honestly where you stand — before you sign anything.