With strong ‘family links’ to the equestrian  industry it is only natural that we should provide funding to owners of riding stables , liveries and equine veterinary facilities for a wide range of fit-out and associated expenditure.

Sometimes perceived as playthings for the wealthy, the reality is that liveries, competition yards and equestrian training and veterinary facilities are businesses like any other and to remain safe, compliant and competitive requires continuous investment in buildings, facilities and technology. That is in addition to the absolute basics like security, storage and lighting etc.

Why do equestrian businesses need fit out finance?

There are multiple reasons why equine businesses might make strategic use of funding facilities whether it is simply to preserve cash, to advance a project in order to stay ahead of the competition or to enter a new aspect of the equestrian world.

In many cases use of the correct strategic funding can optimise your tax position (always seek advice from a qualified tax advisor!)

By accessing our range of asset finance, equipment lease and unsecured/secured loan facilities to fund purchases of equipment as well as actual fit out, equestrian businesses can stay relevant and competitive at all times.

What Type of equipment can Fit Out Finance fund for equestrian facilities?

In keeping with out core ethos, Fit Out Finance can fund equipment purchase that are:

1. In & around the premises
2. Mission-critical.

In the context of equestrian  facilities that might be actual equipment or refurbishment of existing facilities.

For example, you might want to lease professional equipment such as a horse walker or treadmill, or hire purchase new jumps for your sand school.

As for buildings themselves, we funding can be available for stable fixtures such as matting, mangers, hay-bars or hay steamers. Alternatively you might be looking to fund an entire menage, internal stabling or perhaps field shelters.

Where the need is more esoteric such as refurbishing stables or indoor arenas or indeed expernal works, then an unsecured loan might be the best means of funding.

What types of facility can you provide funding for?

Whilst our clients are owner-managed Fit Out Finance are happy to look at funding for all types of equestrian facilities, both family-owned or more ‘corporate’. We are as happy funding a small chain of equestrian veterinary clinics as a family-owned training and livery yard.

Many of our clients are start ups at the time of our first transaction – we hope they will remain clients through the lifespan of the business.

How do I get more information on funding equestrian facilities?

Fit Out Finance is a small, person-to-person business. Please feel free to call us on 01494 422 614 or email [email protected]. We will get back to you to discuss or own specific circumstances and requirements.

In line with our focus on outdoor leisure, we are excited to announce that we have become proud members of the Farm Retail Association as a Supplier Member.

The Farm Retail Association are centred around supporting and celebrating those working within the UK farming industry. They came to life in 1979. This was after a group of collaborative farmers realised that the UK farm retail industry had no supporting body. So, they decided to create a farming community of their own, and from this, the Farm Retail Association was born!

We are delighted to join the community of their other supplier members, as well as their farm retail members.

Why Farm Retail Association?

With so many associations and organisations supporting our industries, picking specific ones to support will always be a challenge.

But it was quite clear once considering the Farm Retail Association. Firstly, farm retail, and closely associated garden centres walk a line which neatly combine our specialisms in both retail and leisure/hospitality. Thus, creating the perfect recipe for collaboration!

The Farm Retail Association also support a large portion of our customer base across the country. Therefore, we hope that this will bring us closer to those that we work closely with in the industry.

A great way that the association brings those in the industry closer together is through their networking events. Farm Retail holds a large annual event intended to recognise the excellence of those who grow and sell Great British food. We look forward to attending the event. We believe this will provide us with great opportunities to meet with both new and familiar faces in the agricultural industry.

Being an industry centred around cultivation, we can only hope that their business is growing as abundantly as their produce does. However, should their business need a boost, we are always here to offer a helping hand.

In addition to offering funding to their members and supporting vendors, we also hope to share our expertise, experience, and ideas. We are always willing to provide free, expert, and impartial advice on a range of funding matters. Although not only do we wish to share our knowledge, but we also hope to learn from this time-honoured community.

What can be financed for farm shops & garden centres?

Our core principle is that we will lend against equipment that is critical to the business, irrespective of whether it has an actual value on the open market. This applies to all our Fit Out Finance facilities!

For retail environments that might include funding for shop fittings, EPOS, lighting, trolleys, and many other elements of internal fit out.

For outdoor equipment we are happy to arrange lease or HP finance for lighting, security, shutters, signage, outdoor furniture- the list goes on!

We can also arrange funding for a whole range of temporary structures, from marquees to concession retail units. We’ve got you covered.

Our aim is to a be a catalyst to the growth of fellow businesses within the association. We look forward to a long and mutual association with the Farm Retail Association and their members.

Contact Us

If you have any questions on how Fit Out Finance can support the growth of your business, please don’t hesitate to get in touch. Call us on 01494 422 614, alternatively send an email to [email protected].

Sale and leaseback is a great way for businesses to restore liquidity to their cash flow up to 6-months after the fit out has been completed.

We are often approached by businesses seeking to finance fit out projects which they have partially or fully paid for. Fortunately, our sale and lease back facility is well suited to help those in these situations.

Why do people use sale and leaseback?

There are multiple reasons as to why a sale and leaseback might suit a customer better than conventional financing.

Easing cash flow pressures

The most prevalent reason being that it isn’t uncommon for businesses to simply change their mind after paying outright for a fit out project in order to improve their cash flow. It is a great way to get an instant cash injection into your business!

Proceed with planned projects

No need to put plans on hold due to cash flow problems. Your reimbursed cash can go towards other areas of the business that might require immediate attention.

Multiple suppliers

Often when businesses has bought items from several suppliers it is deemed too tricky to arrange invoices to a finance company. Often each item is lower value, but each purchase accumulates into a hefty total sum.

Goods coming from abroad

Whilst it is possible to arrange conventional finance on imported goods, it can be more straight-forward to pay the supplier directly and recover the money through sale and leaseback.

Pre-payments and deposits

Although our standard finance options can cover pre-payments and stage payments, it is often easier to simply pay these in advance and finance the package by sale and leaseback.

What equipment can a sale and lease back cover?

We can cover most aspects of a fit out through sale and lease back. However, invoices for services are an exception to this. So, for example, painting and plumbing invoices can’t be reimbursed via sale and leaseback. But these can potentially be financed through an unsecured loan.

What is the criteria for arranging a sale and lease back?

The credit criteria is similar to those we go by for conventional asset finance. The key difference being that you will need to provide a clear paper trail and evidence of payment. But other than that, it is our usual straight forward process!

As ever, we are here to guide you through it! So, if you consider sale and leaseback to be a fitting form of finance for your business, please don’t hesitate to get in touch. Call us on 01494 422 614, alternatively, you can send an email to [email protected] outlining your needs and we would be happy to assist!

Fit out finance for the care sector

Much like hospitality, the care sector relies strongly on the quality of facilities available. This in turn means that constant investment in refurbs, equipment and accessibility is essential; all of which can be funded by Fit Out Finance.

More about the care sector

Whilst care homes may differ operationally from our core hospitality market; from a funding perspective they are similar in that their success and revenues are reliant on clean, up to date compliant premises.  This means that operators will benefit from our expertise and knowledge in funding all aspects of a fit out. Whether it’s a single-room turnaround, a new biomass boiler or an outdoor facility.

Challenges the care sector has been facing

Whilst the care sector has faced its own set of challenges as a result of the Covid pandemic & Brexit, the reality is that it remains critical to the population, and is set to grow at an ever increasing rate. The provision of compliant and quality facilities will become ever-more important.

So, who are our clients?

Like the hospitality sector, the core of our client base is owner operators, often running two or more homes. Our clients will typically have specialist mortgages on their premises but will come to us for leasing of specialist equipment such as lifts, hoists, therapy rooms, or for general refurbishment or fit out of extensions. However, if there are any other finance needs you may have in regards to this sector, don’t hesitate to reach out and contact us.

Contact Us

The care sector will start to pick up, especially since the recent knock-on effects of Covid. Our hospitality customers are both large and small companies leasing for a whole range of reasons. Please don’t hesitate to give us a call on 01494 422 614 if we can help with your fit out finance needs in regards to the care sector. Alternatively, email us on [email protected].

Under our hospitality and leisure specialism, we were recently pleased to provide a leasing fitout and finance for equipment for a new upscale health spa in the East Midlands.

The client was initially referred to us by a long-standing supplier connection, who in return was recommended for their attention to detail, quality products (many of which are manufactured in their own UK facility) and their long-standing commitment to the hospitality sector. Whilst they had significant cash to commit to the project, the customer was attracted by the tax and cashflow benefits of leasing equipment and aspects of the fitout.

Why leasing?

Leasing holds benefits which many are unaware of. Furthermore, many companies are wary of leasing due to the enigma that surrounds it. Little do they realise how much leasing can benefit the biggest of companies; regardless of how much capital they may have in the bank. Leasing allows these companies to conserve their existing cash and put it to use elsewhere in the business. Whilst easing cash flow pressures and leaving core funding lines intact.

Our dedication to leasing fitouts

In common with many fit out projects, this one involved stage payments, which are a barrier to many leasing companies. Fortunately, we have many years of experience in leasing fitouts. Our work with dedicated lenders allows us to offer several alternatives to accommodate deposits and stage payments. This makes the entire transaction more straight forward for both the supplier and customer. This is one of many ways in which our dedication to leasing fit outs works to help our clients.

In this case we provided leasing facilities for furniture and aspects of the fit out, however, we are equally comfortable leasing all forms of equipment in and around the premises which are critical to a hospitality and leisure business.

Our fitout leasing service has become increasingly popular post-lockdown. This is due to many companies taking the opportunity to improve and refresh facilities for their customers’ enjoyment. So, whether you are looking to start afresh or just giving your facilities a revamp; we can help fund your vision.

Our hospitality and leisure customers are both large and small companies leasing for a whole range of reasons. Please don’t hesitate to give us a call on 01494 422 614 if we can help with your office move or start up. Alternatively, email us on [email protected].