Partly, and it depends on how the quote is broken down. The equipment in a kitchen fit-out — ovens, refrigeration, dishwashers, extraction canopies, prep counters — is generally fundable. The building work around it is much harder, because once plaster, ducting, drainage and tiling are installed they cannot be recovered and resold.
The practical approach is to ask your supplier or fit-out contractor to itemise the quote so that identifiable equipment is separated from labour, materials and builders’ work. A clearly itemised schedule gives a lender something to secure against; a single lump-sum “fit-out” invoice usually does not.
Some lenders will include a proportion of soft costs alongside a substantial equipment order, particularly for established businesses with good accounts. Others will not include any. There is no fixed rule, so it is worth asking before you commit to a contractor’s payment schedule.
Timing is the other trap. Fit-outs run to stage payments and often overrun, while your property costs start immediately. Make sure the funding and the build timetable line up, and that you have cash for anything the finance will not cover. No lender is obliged to approve any part of it.