How Much Does a Convenience Store Fit-Out Cost in the UK?

The average cost of a retail fit-out for a convenience store in the UK ranges between £50,000 and £150,000, depending on factors such as:

• The size and layout of the store

• The quality and complexity of the fixtures and finishes

• Whether the project is a full refurbishment or a new fit-out

• The extent of customisation and branding required

Premium or bespoke fit-outs, which incorporate smart technology, energy-efficient equipment, and high-end finishes, can push the total well above the £150,000 mark. Regardless of budget, the goal should always be the same: to create a functional, inviting, and profitable retail environment.

If you’re worried about how to finance such a large undertaking, EP Finance can help you assess funding options that are tailored to your business model and goals, whether that’s opening day readiness or phased renovation.

Convenience Store Fit-Out: Key Cost Breakdown

1. Shop Fittings & Shelving - £10,000 to £30,000

Proper shelving and shop fittings are essential for displaying products in a way that maximises space and encourages purchases. This may include freestanding gondolas, end bays, wall shelving, magazine racks, and custom counters. Costs will vary based on the size of your store and whether you opt for standard modular units or bespoke designs.

For retailers wanting to spread the cost of shop fittings, asset finance solutions from EP Finance can offer a flexible way to invest in quality fixtures without depleting cash reserves.

2. Refrigeration & Cold Storage - £10,000 to £50,000

If your store offers chilled or frozen products, commercial refrigeration will likely be one of your largest expenses. Walk-in fridges, upright display fridges, freezer units, and under-counter chillers can quickly add up, especially if you opt for energy-efficient or branded models. However, investing in reliable, long-lasting refrigeration equipment pays off in reduced energy bills and fewer breakdowns.

With hire purchase or leasing options from EP Finance, you can access state-of-the-art refrigeration equipment with minimal upfront investment, keeping more capital free for stock and marketing.

3. Flooring & Interior Design - £5,000 to £20,000

The right flooring is both functional and aesthetic. It needs to handle high footfall, be easy to clean, and comply with health and safety standards. Whether you choose vinyl, tile, or polished concrete, the cost will depend on your store's size and your desired finish. Interior design elements such as paint, panelling, and lighting fixtures also fall into this category.

An attractive, well-designed interior can positively influence shopper perception and encourage repeat business. EP Finance offers business loans to fund interior enhancements that create a welcoming atmosphere without compromise.

4. Lighting & Electrical - £5,000 to £15,000

Proper lighting plays a vital role in customer experience. LED systems can highlight key product zones, create a sense of space, and reduce your store’s long-term energy use. Your fit-out may also involve rewiring, new circuits, and additional plug points for modern EPOS systems or display lighting.

Electrical work often incurs hidden costs, especially in older buildings. That’s why flexible financing from EP Finance is invaluable when unexpected costs arise during your fit-out.

5. EPOS Systems & Security - £5,000 to £20,000

A modern EPOS (Electronic Point of Sale) system is essential for streamlining operations, managing stock, and accepting card payments. Your setup may include till points, barcode scanners, receipt printers, and customer-facing displays. Security equipment such as CCTV, motion sensors, and alarm systems help protect your store from theft and vandalism.

If you need to update your technology stack, EP Finance provides tailored finance packages to cover the upfront cost while maintaining business continuity.

6. Branding & Signage - £3,000 to £10,000

A visually compelling shopfront and branded interior help your store stand out on a busy high street. This includes external illuminated signage, window vinyls, internal graphics, directional signs, and shelf-edge labels. Strong branding not only attracts foot traffic but also supports your store’s identity in a competitive market.

Finance through EP can help you invest in quality branding that reflects your professionalism and builds trust with new customers.

7. Stock & Initial Inventory - £10,000 to £50,000+

Your store must be fully stocked from day one to generate revenue and attract repeat customers. This can include ambient groceries, snacks, chilled drinks, frozen meals, alcohol, tobacco, and cleaning essentials. Your initial stock cost will depend heavily on your store’s size, product diversity, and your pricing strategy.

If bulk purchasing inventory puts pressure on your cash flow, merchant cash advances from EP Finance let you access funding based on your future card transactions, ideal for covering early trading costs.

How to Finance Your Retail Fit-Out

Paying for a full store fit-out upfront can place unnecessary pressure on working capital - especially for small or growing businesses. Fortunately, EP Finance offers a variety of tailored solutions designed to help you invest in your store’s future without sacrificing day-to-day cash flow:

• Asset Finance - Spread the cost of large equipment (like refrigeration or shelving) over manageable monthly payments.

• Business Loans - Choose from secured or unsecured options to fund store-wide refurbishments, technology upgrades, or branding.

• Merchant Cash Advance - Repay funding through a small percentage of your daily card takings, ideal for businesses with variable income.

• Leasing Finance - Lease high-value items and retain the option to purchase them later, ideal for shopfitting and equipment.

EP Finance offers fast approval, flexible repayment terms, and personalised support to ensure your funding aligns with your business objectives.

Partner with EP Finance for a Seamless Fit-Out

Your convenience store fit-out is more than a project, it’s an investment in your business’s future. A well-executed design can increase sales, improve staff efficiency, and enhance customer loyalty. Whether you're at the planning stage or halfway through your renovation, the right financial partner makes all the difference.

At EP Finance, we understand the specific challenges faced by independent retailers and franchisees. Our team specialises in structuring finance solutions that support retail success, from fit-out loans to stock funding and beyond.