IT & Technology Equipment Finance

Why technology is funded differently

IT is a soft asset. It has little resale value, so lenders are underwriting your business rather than the kit. That means terms are usually shorter than for machinery, and the strength of your trading position matters more. It also means not every lender will touch it — which is precisely where a whole-of-market broker earns its place.

Computer finance and hardware refresh

Computer finance covers laptops, desktops, servers and networking. Funding a refresh rather than buying outright keeps the cost aligned with the replacement cycle, so you are not carrying five-year-old hardware because the capital went elsewhere.

Software finance

Software finance is the least understood of the soft assets and often the largest line item. Licences, implementation and migration can all be funded, spreading a project cost across the years the system delivers rather than the quarter you sign.

EPOS finance and retail systems

EPOS finance funds tills, terminals, integration and installation for retail and hospitality. It is usually part of a wider fit-out, and it is generally cheaper to fund the whole package together than to piece it out.

What lenders assess on soft assets

Because IT has little resale value, the lender is underwriting your business rather than the equipment. That means filed accounts, current trading and existing commitments carry more weight here than on any asset class we fund. Terms are shorter and the bar is higher — but for an established business it is entirely routine.

Funding a project, not just hardware

The hardware is often the smaller half of an IT project. Licences, configuration, data migration, training and professional fees can exceed the cost of the servers. Most lenders will fund the whole project cost rather than just the tangible items, which matters because a part-funded rollout usually stalls.

Subscription and SaaS costs

Increasingly software is bought as an annual subscription rather than a licence. Some lenders will fund a multi-year subscription commitment, spreading what would otherwise be an annual lump sum. Worth asking about if a renewal is distorting your cash flow every year.

Refresh cycles and end of term

Match the term to the refresh cycle. Funding laptops over five years when you replace them every three leaves you paying for equipment you have already retired. A three-year agreement on a three-year cycle keeps the two aligned, and a lease lets you hand the old kit back rather than dispose of it yourself.

CCTV and security systems

CCTV finance covers cameras, recorders, access control and installation across single sites or multiple premises. Because these are typically fixed installations, terms can run longer than for portable IT.

What to send us

Send us the full project cost — hardware, licences, configuration and training, not just the kit — and your intended refresh cycle. We will tell you what term is realistic and which lenders will fund the whole project rather than part of it. No credit check to enquire.