Upgrading your retail space is one of the best ways to enhance the customer experience, boost foot traffic, and increase sales. But renovations and store build-outs don’t come cheap—and paying out of pocket can strain your cash flow.
Fortunately, there are several financing options for retail store renovations and build-outs that allow you to modernize your space while preserving working capital.
Retailers can finance store renovations using equipment loans, business lines of credit, SBA loans, or commercial leasing programs tailored to interior build-outs.
Whether you're opening a new location or refreshing an outdated space, store upgrades offer real returns:
Attract more customers with better visual appeal
Improve layout and product visibility
Upgrade to energy-efficient lighting and fixtures
Increase employee productivity and workflow
Comply with ADA or local building codes
But retail renovation projects can cost anywhere from $20,000 to over $300,000, depending on scope and size.
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Most financing providers allow you to fund a wide range of renovation costs, including:
Construction and tenant improvements (TI)
Flooring, ceilings, walls, and partitions
HVAC and electrical upgrades
Lighting and signage
Point-of-sale (POS) systems and IT infrastructure
Display fixtures and cabinetry
Furniture and decor
Permits, drawings, and architectural services
✅ Some programs even cover soft costs like project management, design, and inspections.
Perfect for funding POS systems
, lighting, shelving, or displays. Offers fixed monthly payments and ownership at the end.
Flexible option to cover ongoing or phased renovation expenses. Only pay interest on the amount you use.
Government-backed loans
with long terms and low rates. Can fund full renovation projects, including working capital and soft costs.
Offered by some landlords or third parties. Costs are amortized into rent or paid monthly over time.
Used for larger retail construction or expansion projects. Typically disbursed in phases as work is completed.
Tip: Match your financing term to the expected ROI or lease length to avoid overcommitting your cash flow.
| Project Type | Total Cost | Estimated Monthly (60 mos) |
|---|---|---|
| Basic retail refresh | $30,000 | ~$550–$600/month |
| Full interior build-out | $85,000 | ~$1,500–$1,600/month |
| High-end flagship renovation | $200,000 | ~$3,500–$3,750/month |
Lenders will typically ask for:
Business license or EIN
Lease agreement or ownership documents
Contractor estimate or renovation proposal
6–12 months of business bank statements
Credit score
of 600+ (personal or business)
Time in business (startups may need a business plan)
You can secure retail renovation financing through:
Banks and SBA-approved lenders
Online lenders like Fundera, Lendio, or National Funding
Commercial lease financing providers
Retail-specific financing programs from vendors or franchisors
Use equipment loans, lines of credit, or SBA loans
Fund everything from construction to shelving and lighting
Avoid upfront costs and spread payments over time
Your retail environment influences how customers feel—and how much they spend. With the right financing in place, you can create a space that drives traffic, supports staff, and sets your brand apart.
Don’t delay growth due to budget constraints. Financing lets you build your dream store now and pay for it gradually.
Ready to transform your store?
Apply now for flexible renovation financing—get pre-approved in minutes and fund your project with low monthly payments and fast access to capital.