Business
Renovation
Loans & Financing
Last updated: July 2026
When your commercial space needs an upgrade, renovation financing gives you the capital to get it done, from targeted improvements to full-scale transformations, without disrupting your operations or cash flow.
Financing at a Glance
Transform Your Space Without Draining Your Capital
Renovation projects often require significant upfront investment before they generate any return. We provide the capital to execute the full project now, not the watered-down version your cash reserves can afford.
Execute the Full Vision, Not Just Part of It
Underfunded renovations often result in compromised results: cut corners, delayed phases, and a space that doesn't fully achieve the intended outcome. Renovation financing gives you the capital to execute the complete project as planned, from permits and materials through final build-out.
No Collateral Required in Most Cases
Many of our renovation financing products are unsecured and approved based on your business's revenue performance, not on pledging the property, equipment, or personal assets. Even businesses that lease their commercial space can access renovation capital.
Fast Enough to Keep Your Project on Schedule
Contractor schedules, material availability, and permit windows create time pressure. We deliver decisions often within hours and fund within 24 hours, so you can commit to contractors, order materials, and start construction without delays caused by financing timelines.
Structured Financing for Phased Projects
Large renovations often unfold in stages. A Line of Credit lets you draw capital as each phase begins, repay as revenue comes in, and draw again for the next phase, giving you financing that mirrors the natural cadence of a multi-phase construction project.
How Business Renovation Loans Work
Apply Online in Minutes
Submit a brief application and connect with a dedicated Capital Advisor. Describe your renovation project (scope, timeline, contractor involvement) and they'll guide you to the right financing structure for your situation.
Get a Decision
Your advisor reviews your revenue profile and presents a clear funding offer with transparent terms. Often the same day, giving you the speed to commit to contractors, lock in material pricing, and keep your project on schedule.
Start Your Renovation
Receive your funds as fast as 24 hours after accepting your offer. Engage your contractors, order materials, pull permits and execute the renovation your business needs to grow, attract customers, and operate more efficiently.
How to Use a Business Renovation Loan
From energy efficiency upgrades to full-scale rebrands, renovation financing gives businesses the capital to improve their commercial space and the experience they deliver to customers.
Become Energy Efficient
Upgrade HVAC systems, add insulation, install solar panels, or replace lighting with LED, improvements that reduce operating costs long-term and appeal to environmentally conscious customers.
Redesign Your Space
Reimagine your commercial location to better serve customers, improve workflow, and reflect your brand. From full floor-plan changes to targeted interior upgrades, renovation financing covers it all.
Relaunch Your Business
New signage, updated facades, refreshed interiors, and rebranded experiences require real capital. Renovation financing lets you execute a full transformation, not just surface-level updates.
Renovation Financing Options
The right financing structure depends on the scope, timeline, and total cost of your renovation. Explore your options and speak with an advisor to identify the best fit.
Small Business Loan
Lump-sum capital to cover a defined renovation project in full, from permits and materials through contractor labor and final build-out.
Learn MoreRevenue Advance
Upfront capital repaid as a percentage of daily revenue, useful when your renovation timeline doesn't align neatly with your monthly cash flow cycle.
Learn MoreLine of Credit
Revolving access to capital for phased renovations: draw as each stage begins, repay as revenue comes in, and draw again for the next phase.
Learn MoreEquipment Financing
When your renovation requires major new equipment, commercial kitchen appliances, HVAC systems, manufacturing machinery. Finance the asset separately.
Learn MoreTerm Loan
Long-term structured repayment for larger renovation budgets, with fixed payments and a defined repayment period that makes planning straightforward.
Learn MoreNot Sure Which Fits?
Your Capital Advisor will evaluate your renovation scope, timeline, and revenue profile, then recommend the financing structure that best fits your project.
Let's TalkCommon Questions
Build the Space
Your Business Deserves.
Apply today and get a decision often within hours. Capital in hand within 24 hours of acceptance, so your renovation starts on your timeline, not a lender's.