Finance the technology your business runs on.
IT equipment finance lets UK businesses spread the cost of laptops, servers, networking, AV, cyber security and EPOS over the useful life of the technology, instead of absorbing a large cash purchase upfront.
At a glance
- Hardware, installation and eligible software bundled
- Terms from 12 to 60 months
- Finance lease and hire purchase options
- Single devices to multi-site refresh programmes
- Fast decisions for established SMEs and startups
From
6.4%
Decision
24 hrs
Up to
£2m
From enquiry to funded — usually inside a week.
Enquire in 60 seconds
Tell us the asset, the amount and the timing. Soft search only — no impact on your credit score.
We get to know your business
A dedicated account manager picks up the phone, sense-checks your goals and gathers what we need.
We shop the market for you
We package the application, run it across 60+ specialist lenders and bring back the strongest no-obligation quotes.
Funded — usually in days
Accept the offer and sign electronically. Funds release direct to the supplier or to your account.
What is IT equipment finance?
IT equipment finance is a business funding structure that lets UK companies acquire laptops, servers, networking, AV and payment technology by spreading the cost over a fixed term. The most common structure is finance lease, because technology is often upgraded every three to five years, although hire purchase can work for longer-life infrastructure.
Technology finance across the full stack.
Laptops and workstations
MacBook, Dell, Lenovo and HP fleets, CAD workstations, monitors, docking stations and accessories for growing teams.
Servers and storage
On-premise servers, NAS/SAN storage, backup appliances, rack infrastructure and UPS equipment.
Networking and cyber
Switches, routers, firewalls, Wi-Fi access points, endpoint security hardware and secure remote-access infrastructure.
AV and meeting rooms
Video conferencing, interactive screens, digital signage, boardroom AV and hybrid-working collaboration kit.
Telecoms and phone systems
VoIP handsets, PBX, call-centre hardware, headsets and site-wide communication infrastructure.
EPOS and payment tech
Retail and hospitality EPOS terminals, handheld order pads, printers, cash drawers and integrated payment equipment.
Typical terms
- Ticket size
- £5k–£500k
- Term
- 12–60 months
- Deposit
- 0–20%
- Best structure
- Finance lease
What does an IT refresh cost on finance?
Finance lease example
30-device office refresh
£48,000 package · 36-month lease
- Hardware and deployment
- £48,000
- Deposit
- £0
- Monthly rental
- £1,575
- VAT treatment
- Spread monthly
- Upgrade option
- At end of term
Indicative only. Pricing depends on credit, supplier, useful life and software content.
Hire purchase example
Server and network upgrade
£72,000 package · 48-month HP · 10% deposit
- Deposit
- £7,200
- Amount financed
- £64,800
- Monthly payment
- £1,575
- Ownership at end
- Yes
- Best for
- Long-life infrastructure
Indicative only. VAT and tax treatment should be checked with your accountant.
Finance lease vs hire purchase for IT equipment.
| Feature | Finance Lease | Hire Purchase |
|---|---|---|
| Best for | Regular technology refreshes | Long-life servers and infrastructure |
| Ownership | Lender owns; extend, upgrade or return | You own after the option fee |
| VAT | Spread across rentals | Usually upfront on full price |
| Monthly cost | Usually lower | Usually higher |
| Upgrade flexibility | High | Lower |
| Typical term | 24–48 months | 36–60 months |
Security upgrades can be funded with the core IT package.
Firewalls, secure Wi-Fi, backup appliances, endpoint protection hardware and implementation costs can often be included with the wider device or server refresh, helping finance directors treat resilience as a planned monthly operating cost rather than a one-off capital shock.
IT equipment finance, answered.
Can I finance IT equipment for my business?
Yes. AssetFi arranges finance for business IT equipment including laptops, servers, networking, AV, cyber security hardware, telecoms and point-of-sale systems. Lenders normally fund identifiable hardware, while software and installation can often be bundled when they are part of a wider equipment package.
Is IT equipment better on hire purchase or finance lease?
Finance lease is often preferred for IT equipment because technology refresh cycles are short and VAT is spread across rentals. Hire purchase can still work where you want to own long-life assets such as servers, specialist workstations or networking infrastructure.
Can software licences be included in IT equipment finance?
Usually, yes, if software is directly linked to the funded hardware or implementation. Pure subscription software is harder to secure, but many lenders will include operating systems, device management, security licences and deployment costs inside a mixed IT package.
How quickly can IT equipment finance be approved?
Straightforward IT finance applications are usually credit-decisioned within 24 hours. Larger refreshes, multi-site deployments and packages with a high software element may need supplier invoices, implementation details and management accounts before approval.
Can startups finance laptops and technology?
Yes, but new businesses usually need a stronger director profile, a clear use case and a deposit. Lenders are more comfortable when the equipment directly supports revenue, such as devices for hired staff, EPOS for a new venue or servers for contracted work.
Can I finance a full office IT refresh?
Yes. We can structure one agreement covering devices, monitors, docking stations, networking, meeting-room AV, phone systems, cyber security hardware and deployment, so the cost is spread across the useful life of the setup.
Representative example
9.9% APR representative based on hire purchase of £25,000 over 36 months with a 10% deposit (£2,500). Monthly repayment £726. Total amount payable £28,636. Total cost of credit £6,136.
Rates depend on credit profile, asset type, deposit and term. AssetFi Ltd is a credit broker, not a lender. Commission disclosure.