UPS and power protection finance
Protect servers, tills and production systems from power interruption, and fund the units, batteries and installation as one package.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
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Yes. An uninterruptible power supply is a heavy, serialised piece of equipment that sits in a rack or on a plinth, which makes it one of the more straightforward technology assets to fund. Funding is normally structured as hire purchase or lease in the company name. Used units are rarely funded, mainly because battery condition is impossible to verify. The thing to budget for is the batteries: they are consumable and will need replacing well before the unit itself is finished, so factor replacement into your planning rather than assuming the installation is a one-off cost.
Who finances this
Manufacturers whose production lines suffer expensive restarts after a dip, data-dependent businesses protecting servers and storage, retailers keeping tills and payment systems trading through an outage, and laboratories and care settings with equipment that cannot be allowed to stop. The trigger is usually a specific incident: a power cut that corrupted data or scrapped a batch, or a site survey after relocating to premises with an unreliable incoming supply.
How lenders see it
Power protection is one of the better assets in this sector and I treat it as light industrial rather than IT. A three-phase unit is heavy, permanently sited, serial numbered, and there are specialists who service and resell them, so recovery is plausible. The complication is batteries. They degrade on a known curve, they are a significant share of the original cost, and a recovered unit with tired batteries is worth much less than the invoice suggests. I therefore discount the battery element. The electrical installation, the switchgear and any generator changeover work are building improvements and carry nothing for me. On the covenant side these applications are usually easy, because the buyer has typically just had an expensive outage.
Buying used
Rarely. Refurbished units are available and specialists do trade them, but battery age and load history are hard to verify, so most funders prefer new equipment with a manufacturer warranty.
Also in IT and technology finance
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Machines we have funded
Typically £351–£1,868 + VAT to buy. Per unit, APC Smart-UPS SMT business tower and rackmount units roughly 750VA to 3000VA. Hardware only, excluding network cards and installation.Checked 2026-10-18.
| APC Smart-UPS SRT 5kVA | Rack or tower online power supply |
|---|---|
| APC Smart-UPS extended battery packs | Runtime extension modules for cabinets |
| APC Symmetra PX | Modular three-phase power protection |
| Eaton 9PX | Online double conversion power supply |
| Eaton 5PX | Line-interactive rack power supply |
| Eaton rack ATS transfer switch | Dual-feed automatic transfer switch |
| Riello Multi Sentry | Three-phase online power protection |
| Riello Sentinel Dual | Single-phase online power protection |
| Vertiv Liebert GXT5 | Rack or tower online power supply |
| Vertiv Liebert APM | Modular power protection for server rooms |
Can the electrical installation be financed with the UPS?
Usually yes, as part of one project. Be aware that the distribution work, isolators and any changes to the incoming supply become part of the building and carry no recovery value. Funders accept that routinely; it simply means the installation portion is assessed against your accounts rather than treated as security.
Do batteries need replacing during the agreement?
Very likely, depending on the technology and the environment they operate in. Batteries are consumable and degrade with temperature and discharge cycles. Plan for replacement as a maintenance cost rather than assuming the original installation covers the whole working life of the unit, and keep the service regime in place.
Is a UPS easier to fund than a server?
Broadly comparable, and both are at the easier end of technology finance. A UPS is heavier and more permanently sited, which helps, but the battery content undermines its resale value. A server holds its value a little better in the refurbished channel. In practice funders are comfortable with either.
Can a generator be included in the project?
Standby generators are fundable and are genuinely substantial assets with their own market, often assessed as plant rather than IT. Where a generator sits alongside a UPS in one project we will look at whether a combined application or a separate one works better, since the generator can carry real security weight.
We had an outage that cost us a day of production. Does that strengthen the case?
It gives the application a concrete commercial rationale, which underwriters always prefer to a general upgrade. Quantifying the loss, scrapped work, downtime, recovery hours, makes the purchase self-evidently sensible. It does not change the asset position, but a clearly justified project consistently moves through the process more easily.
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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Conor HullMon to Fri, 9am–6pm
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