Server finance
Replace ageing on-premise hardware and pay for it across the years it will actually serve you, rather than out of one quarter of cash flow.
- 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, and a server is one of the easier pieces of IT to place. It is a tangible, serialised, rack-mounted asset that stays where it is installed, which means a funder can identify it and, in the worst case, recover it. Agreements are usually hire purchase or lease, written against the business. Used servers are occasionally funded where they come through a reputable reseller with a warranty, but many funders still decline them. The detail people miss is that the invoice is rarely just hardware, migration, licensing and professional services often make up a large share, and those elements are unrecoverable and assessed accordingly.
Who finances this
Manufacturers, law firms, healthcare practices and logistics operators running line-of-business applications that will not move to a public cloud, either for cost, latency or data-control reasons. The usual trigger is hardware falling out of manufacturer support, a failed drive that exposes how old the box really is, or an insurer or client requiring infrastructure that is still patched. Businesses consolidating several ageing servers onto one virtualisation host also come to us, because that project carries a real cost in one go.
How lenders see it
A server is about as close to a hard asset as IT gets, and I underwrite it more comfortably than most technology. It is identifiable by serial number, it is bolted into a rack, and there is a genuine refurbished market through the channel. I still will not pretend the recovery is strong, by the time I need it, the generation has moved on and the drives have to be wiped. So the decision remains a covenant one, with the hardware as useful supporting comfort. What I look at closely is the split on the invoice. If most of the value is consultancy, data migration and licensing rather than metal, I am lending unsecured and I will assess the business on that footing.
Buying used
Yes, unusually for IT. Refurbished enterprise servers supplied by an established reseller with a warranty can be funded, though the choice of funders narrows and the condition and support position are looked at closely.
Also in IT and technology finance
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Machines we have funded
Typically £720–£7,250 + VAT to buy. Configured HPE ProLiant tower and rack servers, from an entry DL20 1U up to a dual-socket Xeon Gold DL380.Checked 2026-10-18.
| Dell PowerEdge R660 | Single-unit dual-socket rack server |
|---|---|
| Dell PowerEdge R760 | Two-unit dual-socket rack server |
| Dell PowerEdge T560 | Tower server for smaller sites |
| HPE ProLiant DL360 Gen11 | Single-unit rack server for virtualisation |
| HPE ProLiant DL380 Gen11 | Two-unit rack server for virtualisation |
| HPE ProLiant ML350 Gen11 | Tower server for branch offices |
| HPE Alletra Storage Server | Server with integrated storage software |
| Lenovo ThinkSystem SR650 V3 | Two-unit rack server for virtualisation |
| Lenovo ThinkSystem ST650 V3 | Tower server for small offices |
| Supermicro rack servers | Configurable rack servers built to order |
Can you finance a server and the installation together?
Yes, and it is the normal request. Racking, cabling into the cabinet, migration work and configuration usually go onto the same agreement as the hardware. Be aware that the services portion carries no recovery value for the funder, so a project weighted heavily towards professional fees will be judged more on your accounts than on the equipment.
We are half in the cloud already. Does a hybrid setup still get funded?
Yes. Hybrid is now the common pattern and funders see it constantly. The on-premise hardware is financed as equipment in the usual way, and the cloud element is treated as a service cost that some funders will allow to be bundled. A clear breakdown from your supplier makes the application straightforward.
What happens to the old server when the new one goes in?
That is your decision rather than the funder’s, unless the old unit is itself on an existing agreement, in which case it needs settling or returning first. Tell us if it is, because the outstanding balance on legacy kit is one of the most common reasons a new application stalls late in the process.
Is a server easier to finance than laptops?
Generally yes. It is fixed in place, individually identifiable, and has a functioning refurbished market, so a funder has something tangible behind the agreement. That widens the number of lenders willing to look and gives us more room to negotiate, although your trading record still drives the outcome.
Can we include a support contract in the finance?
Often yes, where the support is bought up front as part of the same purchase rather than billed annually. Bundling manufacturer support alongside the hardware is common practice and most funders accept it. Ongoing monthly managed service fees, by contrast, are an operating cost and sit outside the agreement.
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 server finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
