How Do Kitchen Fitters Fund Materials and Appliances?

The funding challenge for kitchen fitting businesses

Kitchen fitters buy units, worktops and appliances up front for each job, a sizeable per-project outlay before the customer's final payment. The money goes out well before it comes back in, and for kitchen fitting businesses that timing mismatch — around units, worktops and appliances bought per installation — is the recurring pressure point. Understanding the shape of it is the first step to funding it without overpaying.

The facility that tends to fit

For this trade the natural route is revolving credit facility, because it matches the need rather than forcing a general-purpose loan onto a specific problem. Where a firm needs both an asset funded and a cash gap bridged, running two matched facilities is usually cheaper than stretching one to do both jobs. Read the underlying guide before committing.

Put real numbers behind it

Size the facility against your own figures with our stock order calculator and the invoice finance guide on Learn. Borrowing a figure pulled from a forecast beats borrowing a round number, and it keeps the repayments matched to when cash actually arrives.

How lenders view the trade

Our sector page for kitchen fitting businesses sets out what a lender looks at, and the general answers on whether your sector affects getting a loan and how affordability is assessed give the wider picture. Credicorp lends to limited companies and LLPs, not individuals, with no personal guarantee. When ready, you can apply. General information, not an offer of finance.