Finance question
Can I finance an office fit-out?
Yes. An office fit-out can be financed up to $500,000, with workstations, partitions, meeting rooms and IT funded together in one facility, often low-doc and repaid over a term instead of paid in cash. Because the fit-out and equipment secure the loan, you do not need to own the floor.
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The short answer
Fit out the office without a capital hit
An office fit-out covers a lot in one go, workstations, partitions, meeting rooms, cabling, lighting and IT. Rather than pay for all of it before the team even moves in, financing lets you fund the whole scope together up to $500,000 and repay it over a term. The fit-out is then paid off while the business operates, instead of draining cash reserves up front when you can least spare them.
It is quick to arrange. Fit-out and equipment finance often runs low-doc or no-doc, with approvals inside 24 to 48 hours and no full financials required on many deals. That speed helps when a lease start date is fixed, the previous tenant is gone and the team needs to move in without weeks of delay while paperwork clears.
Ventas is a broker across 40+ lenders, not one bank with a single policy. Each lender has a different appetite for office fit-outs, so we match your fit-out, your timeline and your paperwork to the one most likely to fund it, subject to lender assessment. There is no upfront fee to you; the lender pays us on settlement, so our job is to get the deal approved on the best terms available.
Do you qualify?
What an office fit-out deal usually needs.
The office build
Workstations, partitions and meeting rooms.
IT and tech
Cabling, screens and hardware in the same facility.
An active ABN
Sole traders and companies both qualify.
Low-doc friendly
Many deals settle without full financials.
Why finance an office fit-out
One facility
Furniture, partitions and tech funded together.
Cash stays working
Keep capital for hiring and operations, not the build.
Fast to approve
Low-doc deals often clear in 24 to 48 hours, so the fit-out is not held up.
A real example
A firm taking a new floor needs $90,000 for workstations, partitions, a boardroom and IT. Rather than pay cash, the fit-out is financed low-doc, approved inside 48 hours and repaid over a term. Illustrative only.
Common questions
Frequently asked questions
Can IT be part of the fit-out finance?
Yes. Cabling, screens and hardware can be funded alongside furniture and partitions up to $500,000.
Do I need to own the floor?
No. Leaseholders can finance an office fit-out; the build and equipment secure the loan.
Do I need financials?
Often no. Many office fit-out deals run low-doc or no-doc, subject to lender assessment.
How fast is approval?
Many office fit-out and equipment deals are approved within 24 to 48 hours, which suits a fixed lease start date, subject to lender assessment.