IT Finance

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    Technology Equipment Finance for UK Businesses

    Gable Asset Finance specialises in helping UK businesses acquire the IT hardware, software, and technology systems they need to stay competitive, without the burden of large upfront costs. From laptops and servers to cloud systems and specialist software, our team ensures you get a tailored, affordable finance solution.

    Why Finance IT Equipment?

    Technology has become the backbone of modern business. Whether you run a start-up, SME, or a large corporate, having up-to-date IT equipment is critical for efficiency, security, and growth. However, purchasing IT hardware and software outright can place enormous pressure on your working capital.

    That’s where technology equipment finance comes in. By spreading the cost of essential systems over time, you can preserve your cash flow while ensuring your business has access to the tools it needs. Gable Asset Finance helps you finance IT assets in a way that is flexible, tax-efficient, and aligned with your business goals.

    Common IT Equipment We Finance

    At Gable Asset Finance, we arrange finance for a wide range of IT equipment and digital tools. Typical items include:

    • Computers & Hardware: laptops, desktops, servers, tablets, and peripherals.
    • Networking Infrastructure: routers, switches, cabling, and firewalls.
    • Cloud & Data Storage: hybrid cloud systems, external storage arrays, and backup servers.
    • Software: licensed business applications, productivity suites, cybersecurity packages, CAD/CAM tools, and bespoke software.
    • Telecommunications: VoIP systems, headsets, conferencing equipment, and call centre solutions.
    • Specialist Equipment: industry-specific IT solutions for healthcare, finance, education, and creative sectors.
    • Point of Sale & Payment Systems: EPOS systems, card readers, and retail IT setups.
    • Accessories & Peripherals: printers, scanners, monitors, projectors, and backup power units.

    No matter the size or type of equipment, we work with you to find the most cost-effective finance option.

    Financing Options for IT Equipment

    Our IT and technology equipment finance solutions are flexible and designed around your business needs. The main options include:

    Hire Purchase (HP)

    Hire Purchase allows you to acquire IT equipment by paying in instalments over a fixed term. At the end of the agreement, you own the asset outright. This is ideal for businesses that want long-term ownership without paying upfront.

    Finance Lease

    A finance lease lets you use IT equipment while making regular rental payments. At the end of the agreement, you can either extend the lease, upgrade to new technology, or return the equipment. This is perfect for businesses that need to keep pace with rapid tech changes.

    Operating Lease

    Operating leases are shorter-term agreements often used for equipment that may quickly become outdated. You benefit from lower monthly payments and the ability to upgrade regularly.

    Refinance

    If you already own IT equipment outright, we can help you refinance those assets to release equity. This frees up working capital for other investments in your business.

    Unsecured Business Loans

    We also arrange unsecured loans for IT investment, giving you fast access to funding for both hardware and software without requiring existing assets as collateral.

    Benefits of Technology Equipment Finance

    • Improved Cash Flow: Spread the cost of IT equipment over manageable instalments.
    • Tax Advantages: Lease payments are often fully tax-deductible, reducing your tax burden.
    • Access to Latest Technology: Regular upgrades mean you stay ahead of the competition.
    • Preserve Capital: Keep cash in the business for salaries, marketing, and growth projects.
    • Flexible Terms: Repayment plans tailored to your budget and cash flow cycles.
    • Scalable Solutions: Add equipment as your business grows, with financing that adapts.

    Industries We Support

    Technology finance is relevant to almost every UK sector. Gable Asset Finance regularly supports businesses in:

    • Professional Services: legal, accounting, and consultancy firms needing secure IT infrastructure.
    • Healthcare: clinics, dental practices, and hospitals requiring specialist software and secure networks.
    • Retail & Hospitality: EPOS systems, booking platforms, and customer engagement tools.
    • Education: schools, universities, and training providers investing in digital learning systems.
    • Creative Industries: media, design, and production companies with high-spec hardware and software needs.
    • Manufacturing: CAD/CAM, ERP systems, and automated production technologies.

    Case Studies

    Case Study 1: IT Upgrade for a Law Firm

    A mid-sized law firm in Manchester needed to replace outdated servers and install a new cybersecurity suite. Gable Asset Finance arranged a finance lease that allowed them to spread payments over three years. The firm now benefits from secure, reliable IT systems without impacting cash flow.

    Case Study 2: Retail Chain EPOS Rollout

    A UK-wide retail chain wanted to upgrade its point-of-sale systems across all branches. We provided a hire purchase solution for £250,000 worth of EPOS equipment, structured with seasonal repayments to align with busy trading periods.

    Case Study 3: Start-up Cloud Investment

    A tech start-up in London required investment in cloud servers and software licenses. As they had no significant assets, Gable Asset Finance secured an unsecured business loan, giving them the capital to launch successfully.

    FAQs: Technology Equipment Finance

    1. Can start-ups apply for IT equipment finance?

    Yes. We work with specialist lenders who provide finance for new businesses, often based on business plans, contracts, or personal guarantees.

    2. Do you finance both hardware and software?

    Yes. We finance everything from laptops and servers to licensed software packages, cloud solutions, and subscriptions.

    3. What repayment terms are available?

    Terms typically range from 12 months to 5 years, depending on the type of finance agreement and equipment lifespan.

    4. What if I already own IT equipment?

    You may be able to refinance existing assets to release cash tied up in your IT systems.

    5. Are there tax benefits?

    Yes. Lease payments are often fully deductible against profits, while hire purchase agreements may qualify for capital allowances.

    6. How quickly can I arrange finance?

    Many agreements can be approved within 48 hours, giving you fast access to essential IT equipment.

    7. Can I finance second-hand IT equipment?

    Yes. Finance options are available for both new and used IT hardware, subject to lender approval.

    8. What happens at the end of a lease?

    You can usually return the equipment, upgrade to newer models, or extend the lease depending on the agreement terms.

    9. Will my business credit be checked?

    Yes, as with any finance product. However, we work with a wide panel of lenders, increasing your chances of approval.

    10. Why choose Gable Asset Finance?

    We combine deep sector knowledge with access to a wide range of finance providers. Our team tailors finance solutions specifically for your IT and technology needs, ensuring affordability and flexibility.

    Contact Gable Asset Finance

    If you’re ready to explore Technology Equipment Finance for your business, Gable Asset Finance is here to help. Our expert team will guide you through the process, compare the best deals on the market, and secure a tailored finance solution that works for your IT requirements.

    Call us today on 0208 371 5973 or use our online enquiry form to speak with one of our finance specialists.

    Gable Asset Finance offer a comprehensive range of funding options for companies looking to make IT software and hardware purchases such as Telecoms / networks, IT equipment, Hardware, Software and Services and intangibles. If you have an enquiry about any of our services or would like more information on how we can help you, please get in touch.

    • Laptops, Tablets & iPads
    • Desktop PC & Monitors
    • Apple
    • Printers, Scanners & Accessories
    • Components & Upgrades
    • Data Storage & Networking
    • Accessories & Office
    • Mixed Electricals
    • Software
    • Educational Software
    • Applications Software
    • Apple Mac Software
    • Mac DTP and Image Editing
    • OEM Software
    • Operating Systems
    • Operating Systems
    • Network Operating Systems
    • Software / Database Development Tools
    • Network Software
    • Network Storage Management
    • Imaging & Design Software
    • Desktop Publishing, Drawing and Design
    • Image Editing and Illustration
    • Diagramming
    • Internet & Security Software
    • Advanced Solutions Software
    • Desktops & Monitors
    • All in One Desktop PCs
    • Barebone PCs
    • Desktop PCs
    • Monitors
    • Laptops & Tablets
    • Accessories
    • Laptops
    • Tablet PCs
    • PC Peripherals
    • Graphics Tablets
    • Headsets & Headphones
    • Keyboards & Mice
    • Microphones
    • Speakers
    • USB & Firewire Hubs
    • Webcams
    • Server
    • Server Accessories
    • Smartphones & PDAs
    • PDAs
    • Smartphones

    We can arrange business finance and leasing on new, reconditioned or used IT equipment from the worlds leading brands such as:

    • Nokia
    • Dell
    • Toshiba
    • Intel
    • LG Electronics
    • Cisco
    • Canon
    • Fujitsu
    • Quanta Computer
    • Motorola
    • Hitachi
    • Sony
    • Ricoh
    • NEC
    • Asus
    • IBM
    • Apple
    • Alcatel-Lucent
    • Acer
    • Sony Ericsson
    • Flextronics
    • Sharp Corporation
    • Lenovo
    • Nintendo
    • Seagate Technology
    • Epson
    • Wistron
    • Compal Electronics
    • AU Optronics
    • Ericsson
    • TSMC
    • Inventec
    • Nokia Siemens Networks
    • RIM
    • Sun Microsystems
    • Nortel
    • Qualcomm
    • Western Digital
    • Xerox
    • TPV Technology
    • NTT DoCoMo
    • EMC
    • Huawei
    • Microsoft
    • ZTE
    • AMD
    • Jabil Circuit
    • Hynix
    • Oki Electric Industry
    • Kyocera
    • HTC
    • Brother
    • Panasonic
    • Lockheed Martin
    • Mitshubishi Electric
    • Elpida Memory
    • Rockwell Automation
    • Lexmark
    • Kingston Technology
    • 3M
    • Freescale
    • NVIDIA
    • Northrop Grumman
    • Kodak
    • Greatwall Information
    • Texas Instruments
    • Micro-Star
    • Casio
    • Avaya
    • UMC
    • Marvell

    We’re in the business of providing great IT software and hardware finance solutions. Whatever your organisation needs, we have the experience and expertise to deliver a full range of business finance and leasing products to UK businesses, large and small. At Gable Asset Finance we can source and supply IT hardware and software finance to your exact requirements. If you are unsure as to what you need we can make recommendations and provide advice on what will best suit your needs.