Retail Fit-out & Inventory Finance

Portman triangles
  • Invest in the in-store experience
  • Consider portable sales devices
  • Build an online presence
  • Make sure you are stocked up
427 reviews on 4.8 stars
  • Both a lender and broker

  • Retail industry finance since 2007

  • Expert personal service

Invest in stock, fit-outs and marketing

Retail Fit-out & Inventory Finance

The era of omnichannel customer experience is upon us. Multichannel meant having a presence online, on social, and in-store. Omnichannel customer experiences integrate every touchpoint. This allows customers to encounter your brand on one channel and pick it up on another. For instance, they can start shopping on your website but collect in-store.  It creates a frictionless way to shop for your customers. They can decide and purchase through whichever channel is most convenient to them. For retailers, the opportunities are endless.

How does it work?

We make things easy

We know that finance can sometimes be confusing and stressful, but what we do is simple.


1. Get started in 1 minute.

Enquire without affecting your credit score.


2. Understanding your business.

A dedicated account manager will discuss your needs and collect documentation.


3. Our experts do the leg-work.

We find the right deals, complete applications on your behalf and get you a no obligation quote.


4. Your no-fuss finance is funded.

If accepted, your assets will be bought and delivered or the finance released to your account.

Enquire today

Get the tech right

According to ClickZ, shoppers using three or more channels to interact with brands have a higher purchasing frequency rate, 250% higher than single-channel users. Harvard Business Review also reports that customers who used more channels spend an average of 4% more in physical stores and 10% online. Technology, of course, is at the heart of achieving this level of integration. With support from Portman Asset Finance, you can invest in your tech estate to create a seamless customer experience. 

Omnichannel uses a back-end system that integrates customer accounts and inventory across web, social and in-store. Sales staff can use handheld POS systems to check stock and product details. They can also take orders and make personalised suggestions, all without leaving the customer. This technology even includes smart mirrors and augmented reality allowing customers to virtually ‘try before they buy’. 

Portman can help you finance your digital sophistication both online and in-store to futureproof your brand and create an experience people talk about.

Our team of experts is ready to help


Refurb for the win

Consumers are returning to shop in-store, expecting a refreshed, personal and easy encounter – mirroring their online activity. Many of our customers are investing in fit-outs to refresh their stores. They use our support to increase their stockholding to create a more satisfying retail experience.

See what our retail finance customers have to say:

“The product was recommended to me on Instagram, I used augmented reality on the mobile app to explore the product. I ordered it online and then headed to the store because it’s such a cool space and the staff are great. They greeted me by name as I arrived and gave me personalised recommendations for accessories that I hadn’t considered. I got a discounted bundle price because I’m a loyal customer. I paid for it with my smartwatch, while another staff member brought my package out to me, with my name already printed on the box.”

How we support your Retail businesses

For retailers, they will need to consider two pillars of investment to survive and thrive in the future: technology and customer experience. Technology enables a tight ship, seamless hand-off from one touchpoint to another, and unique possibilities for interaction with your brand. 

The success of online retailing means that the expectation of physical stores has increased – moving from product showcases to experiential brand environments. The pace of change might be faster than your finances allow, which is where having a strong, independent finance partner like Portman is essential.


Hire Purchase

Hire purchase usually involves paying the VAT and a deposit up-front. Fixed monthly repayments are then made, affected by whether you pay off the entire loan over the term or choose a final balloon payment. The final option to purchase is guaranteed for a nominal fee, transferring ownership of the asset to the customer.

Hire purchase is well-suited for situations where a company wants to own the item at the end of the term. The asset often has a significant usable lifespan and a high residual value, and will not need to be upgraded.

Explore Hire Purchase

Lease Finance

Equipment leasing allows a business to acquire hard or soft assets without the upfront costs associated with large purchases. A lender purchases the item, and the company leases it through fixed monthly payments over an agreed term.

Typically, asset finance is provided for high value ‘hard’ assets such as machinery, equipment, or vehicles. Portman also arranges asset finance for ‘soft’ assets such as IT, fitness, catering, or vending equipment, as well as premises fit-outs, furniture, or even air-conditioning.

Explore Lease Finance

Business Loans

Business loans are a way of borrowing money, which is repaid in monthly instalments, including interest, over an agreed term. Business loans are a common way to help smooth out cash flow fluctuations and take opportunities where they could be missed due to a lack of working capital.

Business loans can be secured or unsecured. Portman typically provides unsecured loans, which can be more flexible and do not require collateral but are likely to require a personal guarantee. Secured loans are tied to an asset the lender can claim ownership of if repayments are not made. These may be used in equipment refinance deals.

Explore Business Loans

Start Up Loans

New businesses often need an injection of finance to get them off the ground. Asset finance for new businesses allows you to focus on running your company and bringing in customers. You can be confident that you have the equipment, vehicle, or stock you need without the large initial outlay.

Using finance for equipment means preserving the credit card or overdraft for contingency and operating expenses when the unexpected happens.

Explore Start Up Loans

Equipment Refinance

If you recently bought a high-value item outright but would now prefer to have financed it, we can help with a sale-and-lease-back agreement. If the item is less than 3 months old, give us a copy of the invoice, and we will calculate the current value. After a few checks and acceptance of the term and monthly repayments, we can give you the cash equivalent of the invoice to put back into the business. You’ll then make fixed monthly payments, including interest, while your asset earns money.

You can use high value assets not currently financed as security for a loan, subject to a valuation. Lenders will offer a cash loan up to a % of the asset’s value.

Explore Refinance

Recovery Loans

Recovery Loans offer an excellent way of making sure your business gets back on its feet after the long-term effects of the pandemic and subsequent supply chain disruption. Businesses with turnovers up to £45m, including those who have previously benefited from the government’s CBILS, BBL or RLS, can apply.

Recovery Loans can be used for any legitimate business purpose or simply to provide cashflow. Rates are capped and the government continues to guarantee 70% of the outstanding balance, giving added security for lenders who are now able to consider finance for businesses who may have previously found it difficult to obtain.

Up to £2m can be borrowed on terms from 2 to 6 years. Your personal private residence cannot be taken as security.

Explore Recovery Loans

Successful Retail businesses protect, invest and evolve.

Unlock your potential with Portman Finance Group.