The Composite Fitted Panel is largely the same are the composite forms of the Basic Flush Panel except that it features a thin front finish layer that overlaps the interstitial Secondary framing studs to create a clean thin seam look. This requires two different panel widths, as corner panels are narrower than the other panels.

Fitted panels employ friction, pop-in flange, wedge and spring batten, and through-hole attachment. Accommodation for these are usually made in the back layer perimeter with grooves or flanges, though with through-hole mounting counter-sunk screw points are provided in the front.

Composite finish panels will commonly be based on wheatboard, polyfoam, or cork base panels with a solid wood perimeter and a thin but tough Masonite or natural linoleum front panel used as foundation for the finish layer. (the Masonite itself can be finished with a clear-coat, linoleum often needs no finishing) The Masonite or linoleum front layer -about the thickness used for clip-boards- is resilient enough to provide a clean fitted edge with minimal chances for chipping.