Retail Equipment finance

The success of retail businesses often relies on having seamless infrastructure, complete with the latest industry technology and up-to-date equipment. However, when also juggling stock management, salaries, and other daily expenses, setting aside a large part of your budget to invest in these assets can be a challenge. That’s where we come in.

  • Quick decisions and finance application turnaround
  • Expertise in many specialist sectors

We believe that all UK businesses have unique needs when it comes to accessing finance

The benefits of equipment finance for retail companies

Retail equipment finance can support businesses with shop fitting, product display expansions, shop layout upgrades, or point-of-sale systems. Both large retail chains and independent stores can use our finance solutions for such things as;

E-commerce software

Inventory management systems

Shopfront renovations

Security systems (alarms and CCTV)

Point-of-sale (EPOS) technology

Distribution and delivery vehicles

Fridges and chiller display cabinets

Lighting and display upgrades

Cleaning equipment

As specialist retail finance providers, we can also support you with sourcing assets. This can be particularly helpful if you have something specific in mind, but don’t know where to start.

Tailored finance for retail equipment

We like to make things simple. See our four-step process for securing retail finance. From scoping out trending technology for your store to greeting shoppers with a seamless experience:

Retail Finance: Salon Equipment

We understand and appreciate the level of investment needed to keep your salon at the cutting edge of technology. We also understand the importance of balancing that outlay with managing your day-to-day cashflow. We can provide the right salon equipment finance solutions to make that a reality.
Tailored to your business needs, we work closely with you to ensure your salon business stays a cut above the rest.

Our finance can be used for a full range of salon equipment, including:

Salon fit-outs

Flooring and lighting

Backwash units and sinks

All types of chairs and customer seating

Reception desks

Salon booking software and EPOS

Why use us for your retail equipment finance?

  • Turnaround time – We aim to get you a retail finance offer in writing within 24 hours of the quote.

  • Service – our dedicated team of professionals will search the market to get you the best finance deal for you and your business.

     

Contact us to discuss retail finance solutions in more detail and tell us your requirements.

A woman in a shop looking at her phone phone to pay for her purchases

FAQs About Retail Equipment Finance

A retail loan is a type of business finance agreement designed specifically for retail businesses. Retail loan solutions provide funding to help retailers purchase stock, invest in equipment, upgrade their shop, or manage cash flow.

Many retail loan products are structured as retail asset finance, where the items you buy, such as fixtures, POS systems, or stock, are funded through a flexible finance agreement and paid back in affordable monthly instalments.

Retailers can access a range of retail loan solutions and finance agreement options, including:

  • Retail loans for general business use
  • Asset finance for equipment, shop fittings, or technology
  • Lines of credit under a revolving finance agreement
  • Invoice finance supported by retail loan providers
  • Merchant cash advances structured as short-term retail loan solutions

Each retail loan is a finance agreement tailored to suit different business needs, from buying stock to upgrading your store.

Using a retail loan or retail asset finance agreement allows retailers to grow while protecting their cash flow.

Retail loan solutions are designed to help you spread the cost of large purchases through a structured finance agreement, and can be used to buy stock in bulk.

This type of loan can also help you to upgrade your store and improve cash flow while still investing in your business, all while allowing you to take full advantage of seasonal opportunities.

With the right retail loan solution, you can expand your business without tying up large amounts of capital.

The amount you can borrow through a retail loan or retail asset finance agreement depends on your business turnover, trading history, credit profile, and financial performance.

Retail loan solutions are available for businesses looking to borrow anywhere from a few thousand pounds to several hundred thousand. Your lender will assess your retail business to offer a retail loan that fits comfortably within your cash flow and long-term plans.

Supermarket Refurbishment

Front view of Coleshill Local Supermarket with various signs in the windows and a visible 'Welcome' sign above the entrance.

A local independent supermarket in the West Midlands recently completed a major refurbishment of its refrigeration and air conditioning systems to improve efficiency and frozen goods storage. With nearly £50,000 in equipment costs, the business secured a flexible finance solution that allowed them to spread payments in a manageable way while maintaining cash flow.

The store’s owner praised the responsive support and guidance received during the process, which played a key role in making the upgrade possible. The transformation not only improved functionality but also positioned the business for future growth, showcasing how tailored finance can empower investment, even amid challenging economic conditions.

Retail Finance & Leasing

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Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.