CCTV system finance
Install proper surveillance across your premises and yards, funding the cameras, recorders, storage and the installation itself as a single project.
Whole-of-market — 60+ lenders searched, including
Can you finance a CCTV system?
Yes, and CCTV sits reasonably well with funders by IT standards. Cameras and recorders are physical, serialised items and there is a second-hand security trade, though the recovery value is modest once you allow for removing units from poles, soffits and ceilings. Agreements are normally hire purchase or lease against the business. Used systems are rarely funded. What trips people up is that the cabling, brackets, poles, trenching and commissioning frequently cost more than the cameras, and none of that can ever be recovered by a lender.
Used kit: Rarely. Second-hand cameras are inexpensive and their history is unverifiable, and by the time a system is removed it is usually a generation behind, so funders treat used surveillance as having negligible value.
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What would a CCTV system cost per month?
Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
How lenders treat it
Surveillance is one of the technology assets where I can see something worth taking, but I am realistic about it. Cameras are individually low in value, they are mounted high and often outdoors, and the labour to remove them safely eats into anything I might recover. The recorder and storage are the most saleable parts. Meanwhile the cable runs, the poles and the ducting are permanent improvements to the site. So I look at the business first, and I pay attention to whether the premises are owned or tenanted. I am well disposed towards applications driven by an insurer’s requirement, because that is a business protecting itself rather than spending on a whim.
Makes and models we fund
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Hikvision AcuSense IP cameras | Network cameras with on-board analytics |
| Hikvision network video recorders | Recorders for multi-camera systems |
| Axis Q-Line network cameras | Professional network cameras for sites |
| Axis P-Line network cameras | Mid-range cameras for buildings |
| Hanwha Vision Wisenet cameras | Network cameras, domes and bullets |
| Dahua network video recorders | Recorders for camera networks |
| Milestone XProtect | Video management software for larger estates |
| Netgear PoE switches | Switching and power for camera networks |
| Seagate SkyHawk drives | Surveillance-rated drives for recorders |
| APC Smart-UPS units | Power protection for recorders and switches |
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Who buys one
Builders merchants, plant yards, farms, self-storage operators, licensed premises and manufacturers with stock or machinery outdoors. The trigger is usually a theft, an insurance requirement at renewal, a licensing condition, or a site expansion that leaves new areas uncovered. Landlords of industrial estates and multi-let buildings finance systems as part of tenant services, and transport operators install coverage across yards after repeated incidents with vehicles and fuel.
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We publish the deals we arrange, with no client named and no rate quoted. See what we have funded in IT and office equipment.
How it is treated for tax
Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
CCTV system finance questions
Our insurer is insisting on CCTV. Can we finance it quickly?
Yes, and insurer-driven installations are a common reason businesses come to us. The paperwork is no different to any other equipment application, and a clear requirement letter helps explain the purpose. Speed usually depends on how quickly your installer can provide a detailed quote rather than on the funding itself.
Can the monitoring contract be financed with the system?
The installation and equipment can be funded; an ongoing monitoring or remote response service is a recurring charge that normally stays with the provider. Some installers sell a combined monthly package covering everything, which is a different commercial arrangement altogether. We will look at how your quote is structured and advise accordingly.
We have several sites. Should each be funded separately?
One application covering all of them is usually better. Funders prefer a planned estate-wide project with a clear equipment schedule per location to a series of small unrelated requests. It also gives you more negotiating room with the installer, since multi-site work is priced differently from single-site jobs.
Does video storage count as part of the system?
Yes, and it is often a significant share of the cost. Retention requirements drive recorder and disk capacity, and higher resolution cameras consume far more storage than older systems. It is all fundable as part of the project, and the recorders are among the more recoverable items in a surveillance installation.
What about data protection obligations?
Operating CCTV in a business context brings obligations around signage, retention and access requests, and those rest with you rather than the funder. It is worth raising with your installer during the design, since camera placement and retention settings are easier to get right at commissioning than to correct afterwards.
Get a quoteor call 07581 364281
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.