Business Renovation & Buildout Financing

Fund a new-location buildout, tenant improvements, or a storefront refresh — $25K to $5M, approved on your bank deposits, funded in as little as 24 hours.

You signed the lease. Now the buildout is the thing standing between you and open

The contractor wants a deposit to hold the schedule. The GC needs progress payments. Permits, HVAC, electrical, flooring, fixtures, the sign out front — none of it waits for your slow season to end, and every week the space sits dark is a week you're paying rent on empty square footage.

A bank line for tenant improvements can take 30 to 60 days and a stack of paperwork you don't have time to assemble. You don't need a 60-day answer. You need the money to keep the crew moving so you can open on the date you promised your landlord and your customers.

Quick Biz Capital funds commercial renovation and buildout work from $25,000 to $5,000,000, and the decision is based on your business bank deposits — not a perfect credit score.

How it works — three steps

• 1. Apply online. A few minutes on our application. Checking your offer is a soft pull — it does not ding your credit.
• 2. Send 3–6 months of business bank statements. We read your real deposits to size the buildout budget. FICO 500+ is fine; no collateral required for working capital.
• 3. Sign and get funded. Once you're approved and statements are in and the agreement is signed before early-afternoon ET on a weekday, funding can land the same day. Sign Friday afternoon and it lands Monday.

Straight answers

Can I use this for a tenant improvement (TI) buildout, not just repairs?

Yes. This is working capital you control — new-location buildouts, TI allowances that fall short, storefront remodels, equipment install, signage, and the contractor deposits that get the schedule locked in.

Do I need collateral or a personal guarantee on the building?

No collateral is required for working capital. You're funded against your deposits, not the leasehold, so there's no lien on your landlord's building.

My credit isn't great — the buildout blew through my reserves. Can I still qualify?

Very likely. FICO 500+ is acceptable and checking your offer is a soft pull. If your bank deposits are healthy, that's what carries the approval.

How fast can the money actually hit?

In as little as 24 hours. If you're approved and your signed agreement is in before early-afternoon ET on a weekday, funding can post the same day. Friday afternoon signings fund Monday — we won't promise a same-day miracle that the banking day can't deliver.

Can I get more when the project scope grows mid-build?

Yes. Change orders happen. Many clients come back for additional funding once part of the balance is paid down and the deposits keep coming in.

Keep the crew moving

Don't let a financing gap stall your buildout and push back your open date. Get a soft-pull offer on $25K–$5M in commercial renovation financing today — apply online and we'll size it to your real deposits.