Home > Apt Finance >
Fit-out finance
Apt Wealth Finance, powered by Acceptance Finance
Fit out your premises without draining your cash flow
Moving into a new space or refurbishing your current one? Financing the fit-out helps you get the result you want while keeping cash flow under control. We have access to leading lenders who can help.
The right space, without tying up your working capital
A fit-out can be a complicated and confusing process. With more than 20 years helping clients finance the spaces their businesses run in, we make it straightforward.
Whether it’s a full set-up or a refurbishment, we present the best finance options available so you can make an informed decision, then tailor the structure to your asset for the tax-effective benefits available.
How to apply for a fit-out loan
From first conversation to long after settlement, here is how your broker works with you.
1
Connect with us
Book an appointment by phone, video or in person, and we’ll work out which type of fit-out finance suits you.
2
Get a recommendation
Your broker recommends a product with repayment information, lender, rate and any fees set out clearly.
3
Apply and inspect
We handle the paperwork and, if required, arrange an inspection of the venue where the fit-out will be completed.
4
Settle and celebrate
We prepare your contracts, arrange the vendor invoice, book settlement, then talk you through how the facility works going forward.
Fit-outs we finance
Lenders are comfortable across these fit-out types:
Medical and healthcare
Full set-up or renovation of a medical or healthcare practice, guided by a specialist broker.
Hospitality and retail
Restaurants, cafes, hotels and retail spaces, with the best options presented so you can decide with confidence.
Office fit-outs
Experienced help with what can be a complicated office fit-out process.
Tailored structures
Chattel mortgage or finance lease, structured to your asset for the tax-effective benefits available.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Giulia Polizzi
Giulia Polizzi
Finance Broker – Vehicle & Equipment
Giulia Polizzi is Acceptance Finance's Vehicle and Equipment Finance specialist, and the main point of contact for car, plant and equipment finance across the business.
Balwyn, Melbourne
What our clients often ask us
What can fit-out finance cover?
The full set-up or refurbishment of your premises, including fittings and equipment, across office, retail, hospitality and medical spaces. We tailor the structure to what you’re fitting out.
Which finance products do you use for fit-outs?
Most commonly a chattel mortgage or a finance lease. We tailor the structure to your asset so you can claim the tax-effective benefits available while managing cash flow.
Do you finance medical and dental fit-outs?
Yes. Medical and healthcare fit-outs are a common one for us, and a specialist broker will guide you through the process from set-up to settlement.
How long does the process take?
It depends on the lender and whether an inspection is required, but your broker manages the paperwork, the vendor invoice and the settlement booking so it stays as smooth as possible.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
Read more
Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
Read more
Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
Read more
Explore more on the Apt Wealth Partners blog.
Finance your fit-out the smart way
Book a no-obligation chat and we’ll present the best fit-out finance options for your space.
Prefer to talk now? Call us on 1800 801 277
Contact Us
Leave your details below, and an experienced adviser will be in touch.
"*" indicates required fields
