Finance that keeps your stack evergreen.
Servers, switches, EPOS estates, AV, end-user devices and licensable software. Lease structures designed around 36-month refresh cycles, not 7-year depreciation tables.
£41m+
Funded into UK tech estates
36mo
Typical refresh cycle
100%
Deductible lease structures
0%
Deposit on prime kit
If it earns its keep, we've probably funded one.
Servers & storage
Dell PowerEdge, HPE ProLiant, Lenovo ThinkSystem, NetApp, Pure Storage. New, refurbished or hyperscaler buyback.
Networking
Cisco, Aruba, Juniper, Fortinet, Meraki — switches, firewalls, wireless, SD-WAN. Funded with multi-year support bundled in.
EPOS estates
Multi-site retail and hospitality EPOS rollouts. Hardware, software and rollout services in one agreement.
End-user compute
Laptops, monitors, docks, headsets — funded as a fleet on a Device-as-a-Service structure with refresh built in.
AV & collaboration
Boardroom AV, digital signage, video walls, Teams Rooms, Zoom Rooms. Soft-asset specialists fund the install too.
Software & licences
Software-as-a-finance for perpetual licences and multi-year SaaS contracts. Lender pays the vendor up-front, you pay monthly.
How tech & it deals usually structure.
Typical ticket
£25k – £250k per project
Range we fund
£10k single rack → £1m multi-site rollout
Term
24 – 60 months
Deposit
0 – 10%
Structure
Operating/finance lease for evergreening; HP where ownership matters; IT-specialist lenders for software-heavy bills of materials.
The usual pain.
Banks won't fund 'soft' tech
Software, services and AV install make up 50%+ of a typical project. Mainstream lenders cap soft costs at 20%. Tech-specialist lenders fund 100%.
Refresh cycles don't match 7-year terms
Kit is obsolete in 36 months. We use lease structures with defined refresh and return rights so you upgrade without paying twice.
Procurement gets bottlenecked at year-end
We can issue framework facilities so projects draw down on procurement's timeline, not the lender's.
How we structure it.
Tech-specialist underwriting
Three of our lenders fund nothing but IT and AV. They understand bills of materials with 60% software and 40% hardware.
Multi-vendor rollups
One agreement covering Dell, Cisco, Microsoft and your install partner — with one direct debit, one tax invoice.
Refresh, return, renew
Defined end-of-term options written into every lease so you're never stuck with depreciated kit.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for tech & it
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions tech & it customers ask.
Can we finance Microsoft, Adobe or other multi-year SaaS contracts?
Yes — software-as-a-finance is one of the fastest-growing parts of our book. The lender pays the vendor your annual or 3-year prepayment up-front, and you pay them back monthly. Improves cash flow and often locks in better vendor pricing.
What about cloud and hyperscaler spend?
AWS, Azure and GCP committed-spend agreements are increasingly fundable. We have two lenders who'll convert a 3-year EDP or MACC into monthly payments.
Can we bundle install and professional services?
Yes — tech-specialist lenders typically fund up to 100% soft costs on a project, including consultancy, install, training and first-year support.
Do leases qualify for full expensing?
Finance leases generally do not — they're treated as a rental expense. HP does. We'll structure for whichever tax outcome works best with your accountant.
Ready to fund the next bit of tech & it kit?
Soft search. 24-hour decisions. No broker fees, ever.
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