Funding Solutions
Funding for a Commercial Fit-Out or Shop Refresh
When there's no asset for a lender to secure the loan against
You need to fit out a new site or refresh an existing one, but a fit-out is fixtures, signage and finishing, not an asset a lender can repossess. Banks and asset lenders generally won't fund it for that reason. Flexy lends against the equity you already hold in a property instead, so the fit-out itself doesn't have to carry the loan.
Up to $150,000
Offers within 24 hours
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How Flexy helps
We lend against the equity in the property your company or trust already holds, without disturbing your existing bank mortgage. Because the loan is secured against the property rather than the fit-out itself, it doesn't matter that there's nothing tangible for a lender to repossess.
Your repayment plan might be a lump sum, such as a sale or refinance, or steady weekly repayments if the business can cover it from trading income. Either way, that's what we assess the loan against.
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Which Flexy loan is right for you?
Both loans release the equity in your property. The difference is how you repay. Pick the one that matches your cash flow and your exit.
Product
2-Year P&I Equity Release
Borrow up to $50,000 against your property equity and repay it steadily through regular principal and interest payments over up to 24 months. Your balance reduces with every repayment and your bank loan stays in place.
Eligibility criteria: You will need sufficient cash flow to support regular repayments to qualify.
Term: Up to 24 months
Repayments: Principal and interest
Principal: Repaid progressively
Product
Short-Term Equity Release
Borrow up to $150,000 against your property equity for 3 to 12 months, with interest-only repayments and the principal repaid as a lump sum at the end. Your bank loan stays in place, no refinancing required.
Eligibility criteria: You will need a suitable lump-sum repayment plan is required to qualify
Term: 3-12 months
Repayments: Interest only
Principal: Repaid at end of term
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Why it worked: A takeaway store, fitted out and trading
The situation
A takeaway food business needed a full fit-out to open its store, but a fit-out has no tangible asset a lender can secure against.
What we did
We funded $30,000 against the equity in the client's property, secured behind their existing bank mortgage.
The outcome
The store opened and has been trading since, with the loan serviced out of what the business brings in.
Why it worked: A shopfront refresh that brought customers back
The situation
A corner store needed repairs and a refresh to its shopfront to improve its street appeal and keep trading well.
What we did
We funded $35,000 against the equity in the property, secured behind the existing bank mortgage, to cover the repairs and shopfront work.
The outcome
The store's street appeal improved, and the business continues trading, servicing the loan from its weekly income.
How Flexy lending works
01
Apply online in minutes
Provide your property address, the amount you need, the purpose of the funds and your repayment plan.
02
Fast assessment
Flexy reviews your available equity, LVR and ability to service the loan. Once we have a complete application, we aim to issue a loan offer within 24 hours.
03
Receive your funds
Accept the offer, complete the remaining requirements through your online portal, and Flexy arranges settlement. Caveat loans can fund within days. Repeat clients can be funded same day.
Related purposes
Read about the other purposes Flexy can fund, and find the right option for your situation. Flexy offers two pathways, depending on your exit strategy: a short-term loan with a lump-sum repayment, or a 2-year option you repay gradually as you go.
Instant estimate
How much can I borrow?
See what your property equity could unlock. Enter a few details for a free, instant estimate, with no obligation and no effect on your existing bank mortgage. It takes about a minute.
Flexy is a direct lender, so you deal with the decision-makers directly. Your existing bank loan stays in place, no refinancing required. No tax returns or profit and loss statements to gather, and loan offers are issued within 24 hours of a complete application.
Frequently asked questions
Can I get finance for a fit-out if there's nothing tangible to secure the loan against?
Does this cover fixtures, signage and finishing, not just equipment?
Will this affect my existing bank mortgage?
Does my bank need to know about this loan?
What happens if the business can't make a weekly payment?
Prefer to talk it through?
Call 021 294 8742 or email hello@flexy.co.nz
Lending is subject to approval. Loans are available to New Zealand companies and trusts for business or investment purposes only. Interest rates, fees and lending criteria may change without notice. Flexy Limited, FSP1006845. Terms and conditions apply.
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Is this your situation?
You're fitting out a new site, or refreshing the look of an existing one
The work is fixtures, signage, shopfront or finishing, not equipment a lender can secure against
Your bank or an asset lender has told you there's nothing tangible to lend against
There's equity in a property, and the business can cover a weekly payment
You'd rather not touch your existing bank mortgage to get there
If any of these sound familiar, we can usually give you an answer within 24 hours.
What situations we help with
