Structured cabling finance
Pay for a cabling installation over time rather than in one hit, even though the cable itself becomes part of the building the day it goes in.
- 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
Honestly, this one needs care. Structured cabling can be financed, but it is the least recoverable item in the whole technology sector. Once cable is pulled through containment and terminated into patch panels, it belongs to the building, and stripping it out would cost more than the copper is worth. So no funder is lending against the cable. They are lending against your company. Used cabling is not a thing anyone funds. The practical catch is that most cabling quotes are mainly labour, which means the application is judged purely on trading history and accounts.
Who finances this
Businesses fitting out new premises, warehouses adding data points to a mezzanine or racking run, schools rewiring blocks over a summer holiday, and offices where staff are still working over a patchwork of cable added a desk at a time. The trigger is often a move, a refurbishment, or an audit showing the existing installation cannot support the speeds new equipment expects. Landlords and serviced office operators also finance cabling as part of preparing space for tenants.
How lenders see it
Cabling is the purest soft asset I see. There is no serial number to record, no resale channel, nothing to collect, and the value transfers to the landlord the moment it is installed. I fund it, but I want to be clear what I am doing: this is an unsecured business loan wearing an asset finance label. So I read the accounts carefully, I look at how long the company has traded, and I ask whether the premises are owned or leased and how long is left on the lease. A tenant installing substantial infrastructure into a property they may vacate shortly is a question I will raise. Where cabling is part of a wider project with real hardware in it, I am more comfortable.
Buying used
No. There is no second-hand market for installed cabling, and reclaimed cable is not something any funder will write an agreement against.
Also in IT and technology finance
See everything we fund in IT and technology finance →
Machines we have funded
| Excel Cat6A U/FTP cabling system | Copper cabling system with warranty |
|---|---|
| Excel Cat6 patch panels | Copper panels, modules and patch leads |
| Panduit Cat6A modules and panels | Connectivity hardware for cabinets |
| Panduit cable basket and containment | Tray, basket and routing systems |
| Corning single-mode fibre | Backbone fibre cable and hardware |
| Draka fibre optic cable | Fibre cable for risers and links |
| CommScope Systimax cabling | Copper and fibre cabling system |
| Leviton structured cabling systems | Copper and fibre connectivity ranges |
| Fluke Networks Versiv testers | Certification testers for cabling installers |
| APC NetShelter comms cabinets | Wall and floor standing comms cabinets |
Why would a lender fund cabling if they can never get it back?
Because they are not lending on the cable. They are lending on your business, and the cabling is simply what the money is being spent on. Funders do this every week across sectors where the purchase is installation heavy. It changes the underwriting, not the availability, so expect more focus on your accounts.
Can cabling be financed on its own, or does it need hardware alongside?
It can be financed on its own, but a mixed project often lands better. When a funder can see switches, a server or access points alongside the installation, there is at least some identifiable equipment in the deal. Cabling-only applications are perfectly placeable, they just rest entirely on the covenant.
We lease our building. Does the landlord need to know?
Almost certainly, because cabling is an alteration to the property and most commercial leases require consent for works. That is a landlord matter rather than a funder one, but do resolve it early. A funder may also ask how long the lease has left before committing to an installation with a long useful life.
Can Wi-Fi replace the need for cabling?
Not really, and funders know it. Access points still need cabled backhaul and power over Ethernet, so wireless coverage rests on a wired foundation. Businesses that try to avoid cabling usually end up paying for it later at greater cost and disruption, which is an argument for doing it properly first time.
Is fibre worth including while the floor is up?
Commercially that is your call, but it is a sensible question to ask while the containment is open, since the labour is the expensive part and doing it twice is the costly mistake. From a funding perspective fibre is treated exactly the same as copper: unrecoverable, and assessed against your business.
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.
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Only pricing it up?
An enquiry is a conversation, not an application. Nothing runs against your file until you tell us to go ahead.
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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 structured cabling finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
