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.
Whole-of-market — 60+ lenders searched, including
Can you finance a laptop and desktop?
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.
Used kit: 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.
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What would a laptop and desktop 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
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.
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 |
|---|---|
| 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 |
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Who buys one
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.
Get a quoteor call 07581 364281
We funded this
£11,800
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.
Read the case study →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.
Laptop and desktop finance questions
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.
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.