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Refit and Refurbishment – Financing for Business

Flexible finance designed as an alternative to traditional bank loans.

Financing for Refits & Refurbishments

The cost of an office, shop or store refurbishment can be a frightening prospect for a small business owner, but the knowledge that without improving ones business offering a business can become uncompetitive is an even more frightening scenario.

The cost of a restaurant fit out or the prospect of having to decorate or expand a retail environment can place a great deal of pressure on a business owner as servicing the debt may place the business under financial pressure. This is of course dependent on the business acquiring the funding in the first place.

For the small business or SME, the challenges of any economic cycle are compounded by the banks appetite to lend and desire of high street banks to provide financing for business to carry out refurbishments. Whether its new furniture or a lick of paint, creating an environment that encourages footfall and ensures retention and loyalty are fundamental to the sustained profitability of any business, without it customers go elsewhere!

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Do I Qualify?

Qualification for our business cash advances is simple: Contact our customer services team to see if you are eligible.

In business for at least

12 months

Monthly credit and debit card turnover of at least


Finance Academy

Explore our Finance Academy to understand all the financial acronyms and jargon, and take charge of your business’s financial success today!

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Business Cash Advance: Office Refit Finance

To maintain a competitive edge a small business owner will need to be agile and in a position to respond to market factors in a quick and effective manner , having access to financing available that will help with a refit or refurbishment will enable business owners to stay competitive.

A merchant cash advance is a new fast and flexible finance option available to shop and store owners that transact more than £10,000 per month through debit and credit cards and that have been trading for more than six months.

This form of financing is very flexible as repayments are not fixed and rather mirror the businesses credit and debit card sales, so when business is good store and shop owners pay back more but when business is slow, the very same store and shop owners will pay back less and in so doing place less pressure on the finances of the business.

Small Business Expansion Loans

Does your business need a traditional loan alternative?

The advantages of a merchant cash advance are as follows:

  • A 90 % approval rate where debit and credit card transactions take place.
  • No Business Plan or security required where a business has been trading for more than 6 months.
  • No Aprs or admin fees
  • No fixed term or fixed monthly payments, instead a flexible repayment model that mirrors sales
  • No financial strain on business
  • One small all inclusive cost that never changes.

How to Finance Business Expansion

A question many business owners ask themselves is how I can finance much needed business expansion and a merchant cash advance could be the answer for the following reasons;

  • The merchant cash advance application process for store owners is a very simple one. In most cases applying is simple and conducted on line, via an online form that will enable shop owners to use future debit and credit sales to secure finance quickly.
  • Lump sums are transferred directly into bank accounts shortly after approval often in as little as 48 hours.
  • Enjoy one all inclusive cost that never changes.

A Merchant Cash Advance Program for Company Expansion

In most cases a store will be advanced a sum equivalent to up to one month’s debit or credit card takings, enabling it to refurbish equipment or if need be refit a kitchen. In the case of a retail shop the merchant cash advance could be used to upgrade computer equipment shelving or air conditioning.

Renovating or improving a business need not be the daunting financial commitment previously experienced by smaller businesses. Stores, shops and retail outlets can now pay back what they can afford based on sales revenues with a merchant cash advance.

How a Merchant Cash Advance Works

A merchant cash advance is an ideal type of no credit check loan. Instead of relying on your credit score, we assess your business’ recent debit and credit card transactions to determine affordability and produce a funding offer tailored for your business. Get in touch with our team today to receive a tailored quote. The loan application process is quick and easy, and we can give you a funding decision within 24 hours. There is no need for you to provide collateral or business plans, and we only conduct a soft credit check that does not affect your credit score. From this, we’re able to make a funding decision without running a hard check that will show on your credit report. Unlike a traditional bank loan, there are no interest rates or fixed monthly payments to worry about. Instead, repayments are taken from a small percentage of your future debit and credit card payments. We don’t require any APR as there is no fixed fee, just one all-inclusive cost that’s agreed on at the start, which never changes.


Women in Credit Awards - Employer of the Year 2023
Lending Awards - Alternative Lender of The Year 2022



Women in Credit Awards - Employer of the Year 2023
Lending Awards - Alternative Lender of The Year 2022


Repayments mirror the ups and downs of your business

A business processing £10,000/month in card sales can receive an unsecured cash loan of the same amount, with no interest rates or fixed terms. Repayments are automatic and based on a small percentage of monthly card sales.

Am I eligible for a Rev&U™ cash advance?

Has your business been trading for a minimum of 6 months?

Does your business’ monthly credit and debit card sales exceed £10,000?

How much capital does your business need?

Use our calculator and see how Rev&UTM could help your business.

£60,000 Up to £400,000
1 – 3 years


funding received


for every card transaction

goes to your account

16% = £16

goes to 365 finance

A simple and secure way to finance your business

in minutes

Complete the application form. It takes less than 5 minutes!

Relationship manager

Be allocated a relationship manager to assist with any queries.

Approval under 24h

A decision will be made under 24h.

Get your cash advance in days

Funding directly into your business bank account within days

    365 Helped me with funding to refurbish my restaurant. I received the funding in days and the process was simple. Matthew Sparrow was my account manager and I would highly recommend him. He kept me updated at all times and was efficient..

    Thomas West, Business owner

    Thomas West, Business owner

Useful information

Finance Academy

Explore our Finance Academy to understand all the financial acronyms and jargon, and take charge of your business’s financial success today!

Explore our guides

Same Day Business Cash Advance

The flexible alternative to bank loans

Get a quote