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.
Whole-of-market — 60+ lenders searched, including
Can you finance structured cabling?
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.
Used kit: No. There is no second-hand market for installed cabling, and reclaimed cable is not something any funder will write an agreement against.
Get a quoteor call 07581 364281
What would structured cabling 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
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.
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 |
|---|---|
| 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 |
Get a quoteor call 07581 364281
Who buys one
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.
Get a quoteor call 07581 364281
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.
Structured cabling finance questions
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.
Get a quoteor call 07581 364281
Also in IT and technology finance
- Laptop and desktop finance
- Workstation finance
- GPU and AI compute finance
- Server finance
- Server room and rack finance
- Storage and backup appliance finance
- Network infrastructure finance
- Firewall and switch finance
- Wi-Fi infrastructure finance
- VoIP and telephony finance
- Video conferencing finance
- Digital signage finance
- Interactive whiteboard finance
- CCTV system finance
- Access control finance
- EPOS and point of sale finance
- Self-service kiosk finance
- Tablet and mobile device finance
- Printer and MFD finance
- Production print finance
- 3D printer finance
- Document scanning and management finance
- Software licence finance
- ERP system finance
- UPS and power protection finance
See everything we fund in IT and technology finance →
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.