Laptop and desktop finance
Spread the cost of a laptop or desktop rollout across the working life of the machines instead of clearing the invoice in a single quarter.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
- No credit checkEnquiring leaves no mark on your file
Yes, laptops and desktops are funded every week, but not in the way people expect. A laptop is a soft asset: it depreciates fast, it walks out of the building in a bag, and a funder repossessing fifty used machines would recover very little. So the decision is made on your business covenant, filed accounts, bank conduct, how long you have traded, rather than on the specification of the hardware. Most fleets are placed on lease or a hire purchase agreement written against the company. The thing that catches people out is that a strong supplier quote does not carry a weak set of accounts.
Who finances this
Typically a professional services firm, agency or contractor between twenty and two hundred staff, replacing machines that have aged out together because they were bought together. The trigger is usually an operating system going end of support, a failed insurance or cyber questionnaire, or an office move where the old desktops are simply not worth shipping. Growing firms also come to us when headcount has jumped and the finance director does not want a hiring spree to land as one capital invoice.
How lenders see it
As a funder, I am not looking at the laptops. I am looking at you. There is no meaningful second-hand market for a three-year-old corporate fleet, machines are portable, and by the time an account goes wrong the kit is scattered across home offices. That makes this an unsecured decision dressed up as asset finance. What moves the needle is trading history, filed accounts that show the business can carry the commitment, clean bank conduct, and a sensible relationship between the size of the facility and turnover. Newer companies can still be placed, usually with a director guarantee. What I will not do is stretch a soft-asset agreement out beyond the point where the equipment has any working life left.
Buying used
Rarely. Refurbished business laptops are widely sold but very few funders will write an agreement against them, because there is no recovery value to underpin it; where a refurbished fleet is funded, it is effectively an unsecured facility judged entirely on the business.
Also in IT and technology finance
See everything we fund in IT and technology finance →
Machines we have funded
Typically £650–£1,450 + VAT to buy. Per machine, new business-class laptop from a UK trade reseller, Latitude/ThinkBook class up to a 15in Surface Laptop; a fleet rollout is a multiple of this.Checked 2026-10-18.
| Dell Latitude 5550 | Business laptop for everyday office work |
|---|---|
| Dell Latitude 7450 | Lightweight laptop for mobile staff |
| Dell OptiPlex 7020 Micro | Small form factor desktop for desks |
| HP EliteBook 840 G11 | Business laptop with docking support |
| HP ProBook 460 G11 | Mid-range business laptop for office staff |
| Lenovo ThinkPad T14 Gen 5 | Business laptop for mobile teams |
| Lenovo ThinkPad E16 | Value business laptop for offices |
| Apple MacBook Pro 14-inch | Laptop for creative and technical work |
| Apple MacBook Air 15-inch | Lightweight laptop for office use |
| Microsoft Surface Laptop | Thin touchscreen laptop for staff |
Laptops and mobile handsets for an estate agency trading as a partnership. The interesting part was that a business purchase turned out to be a regulated agreement, and why that was the right answer.
Can I finance laptops for my staff if we only need a handful?
Yes, although small fleets sometimes sit better on an unsecured business facility than on an asset agreement, simply because the paperwork on a full lease can outweigh the value of the equipment. We look at both routes and tell you which one a funder will actually take. Bundling the machines into one wider IT project often makes a cleaner application.
Why do lenders treat laptops differently to a van or a machine?
Because they can get their money back from a van. A laptop loses most of its value the moment it is issued, it is easily moved, and there is no auction route that returns anything near the original invoice. Funders therefore price and assess laptop deals on the strength of the business rather than the security in the hardware.
Should I lease laptops or buy them outright?
Leasing suits businesses that want to hand machines back and refresh on a cycle rather than own kit that is obsolete by the end of it. Ownership suits firms that keep hardware until it dies. Your accountant is the right person to weigh the tax treatment; we simply make sure both structures are available to you from the market.
Can I include docking stations, monitors and setup in the same agreement?
Usually yes. Funders prefer to see one coherent rollout rather than a trickle of small invoices, and peripherals bought at the same time from the same supplier normally go on the same schedule. Labour, imaging and configuration can often be included as a proportion of the total, though a facility that is mostly services gets looked at harder.
We are a young company. Will anyone fund an IT rollout?
Often yes, with support. Newer businesses are assessed on directors, sector, the order book behind the hire, and usually a personal guarantee. What matters is being realistic about scale: a start-up asking for a fleet far larger than its trading record supports will struggle, while a proportionate rollout backed by signed client work is a placeable proposition.
Tell us what you need
About a minute of plain questions, and no documents to dig out.
Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
Illustrative only, not a quote, a flat rate is not an APR, so the APR on a given agreement will be higher. VAT and fees excluded.
Start my enquiryNo credit check, and enquiring leaves no mark on your credit file. Finance is subject to status. We are a credit broker, not a lender.
Only pricing it up?
An enquiry is a conversation, not an application. Nothing runs against your file until you tell us to go ahead.
No credit check to enquire
Your credit scoreUntouched
Conor reads every enquiry himself. We will call you within 24 business hours, and it will be the person who actually arranges the finance, not a call centre, and not a form that disappears.
A real person on your side
One adviser from your first enquiry to the money in your account. No call centres.
Your adviser
Conor HullMon to Fri, 9am–6pm
5.0 from 19 Google reviews
Thinking about laptop and desktop finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
