Computer Software IT Finance

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    Computer Software IT Finance

    At Gable Asset Finance, we understand that software is just as essential as hardware for running a successful business. From core business applications and cloud subscriptions to specialist design, accounting, and cybersecurity software, the costs of staying licensed and up to date can add up quickly. Our Computer Software IT Finance solutions make it possible to spread those costs over manageable monthly repayments, so your business can access the tools it needs to thrive without draining cash flow.

    What is Software Finance?

    Software finance provides funding to acquire or license the software your business depends on while spreading payments over time. Instead of tying up capital in large, upfront software licensing fees, you can manage costs with structured monthly terms. This applies to one-off software purchases, annual licenses, or ongoing subscription models.

    Why Finance Software?

    • Preserve working capital – keep cash free for other investments.
    • Stay compliant – always use properly licensed software.
    • Budget certainty – fixed monthly or quarterly payments.
    • Tax efficiency – possible allowances for leasing payments.
    • Keep up-to-date – upgrade software suites without large outlays.

    Finance Options for Software

    Software Leasing

    Spread the cost of business-critical software over an agreed term. At the end of the agreement, you can extend, upgrade, or move to a new version. Perfect for software that updates annually or requires regular upgrades.

    Hire Purchase for Software

    Finance the cost of software over regular instalments and gain ownership (or perpetual licenses) at the end of the term. A popular option for long-term use of specialist or enterprise applications.

    Subscription & SaaS Finance

    Many businesses rely on Software as a Service (SaaS), such as Microsoft 365, Adobe Creative Cloud, or accounting platforms. We can arrange finance to spread annual subscription costs into predictable monthly payments.

    Project-Based IT Finance

    If you’re undertaking a digital transformation project, finance can be structured to cover the combined cost of hardware, cloud solutions, and mission-critical software in one agreement.

    Software We Help Finance

    • Business productivity suites (Microsoft 365, Google Workspace)
    • Creative and design software (Adobe Creative Cloud, CAD software)
    • Accounting and payroll systems
    • ERP and CRM platforms
    • Cybersecurity and compliance solutions
    • Industry-specific applications (healthcare, legal, engineering, etc.)

    Who Can Benefit?

    Software finance is designed for businesses of all sizes across the UK. Whether you’re a start-up investing in business systems, a medium-sized company rolling out ERP across multiple departments, or a corporate upgrading enterprise software licensing, Gable Asset Finance can deliver tailored finance solutions that work for you.

    Benefits of Software Finance with Gable

    • Independent brokers with access to a large panel of UK lenders
    • Specialist knowledge of IT and finance markets
    • Flexible finance structures for subscription, license, or project funding
    • Transparent agreements with no hidden conditions
    • Personalised advice and continuous client support

    Case Example

    An architecture firm needed to purchase new design software licences valued at over £80,000. Paying upfront would have negatively impacted cash flow. By arranging a software finance agreement with Gable Asset Finance, the firm spread the cost over three years while continuing to invest in staff growth and client projects. The software remained up-to-date, and cash was preserved for development.

    Frequently Asked Questions

    What is computer software finance?

    It’s a way of spreading the cost of licenses and subscriptions for essential software over time, instead of paying large amounts upfront.

    Can start-ups finance software?

    Yes. We regularly support start-ups and SMEs by financing the software they need to grow, spread costs, and remain competitive.

    Can subscription-based software like Microsoft 365 or Adobe be financed?

    Absolutely. We can structure agreements to cover annual costs and spread them into fixed monthly budgets.

    What software types are eligible?

    Almost all business software, including productivity suites, design tools, payroll, accounting, CRM, ERP, and cybersecurity solutions.

    Do I own the license at the end of the term?

    With hire purchase you usually retain ownership/perpetual right to use. With leasing or subscription finance, you retain the right to use for the term and can choose to renew or upgrade.

    Are there tax benefits?

    Leasing payments may be tax-deductible as an expense. It’s recommended to seek advice from your accountant to understand how it impacts your business.

    How fast can software finance be arranged?

    Typically within a few days subject to lender approval and documentation. For larger or more complex projects, finance may take longer to tailor.

    Get Started

    Don’t let upfront software costs slow your business down. With Gable Asset Finance, flexible software finance agreements help you access the systems, applications, and tools your team needs today.

    Contact us for a tailored Computer Software IT Finance quote.

    In the UK more and more businesses are realising the benefits of leasing and alternative financing over making capital purchases for new computer software and IT. 

    Spreading the cost of computer software over a fixed term can be the cheapest way to fund major software purchases and can ensure the business does not fall behind in having the most appropriate and efficient software applications.

    All the well known IT software packages can be financed such as:

    • Apple
    • Avanquest
    • Corel
    • GSP
    • Karl Taylor
    • Kaspersky
    • McAfee
    • Microsoft
    • Roxio
    • Serif
    • Symantec
    • SAP
    • Dassault Systemes
    • Sage
    • Wincor Nixdorf
    • Hexagon
    • Software AG
    • Asseco Group
    • DATEV
    • Wolters Kluwer
    • SWIFT
    • Acision
    • Unit4
    • Misys
    • Cegedim
    • Temenos
    • Swisslog
    • Fidessa
    • Murex
    • Micro Focus
    • NIS (Northgate Information Solutions)
    • GAD
    • Centric
    • Visma
    • Compugroup Holding
    • Avaloq
    • IFS
    • Sophos
    • Invensys
    • Sopra Group
    • Gemalto
    • Cegid
    • Qliktech
    • Zucchetti
    • Axway
    • AVEVA Group
    • Exact
    • Reply
    • AVG Technologies
    • SimCorp
    • Kofax
    • RM
    • Nemetschek
    • Torex
    • ESET
    • Civica
    • PSI
    • Total Specific Solutions
    • F-Secure Corp.
    • IRIS Software
    • Comarch
    • Linedata Services
    • COR&FJA
    • Panda Security
    • Digia
    • Affecto
    • IBS
    • SDL International
    • Aditro
    • Avanquest Software
    • Anite
    • GFI Informatique
    • ESI Group
    • BasWare
    • Vizrt
    • ACS (Advanced Computer Software)
    • Seeburger
    • ENEA
    • ISAGRI
    • ERI Bancaire
    • ORC Software
    • Comptel
    • Lumesse
    • Berger-Levrault
    • Gruppo Engineering
    • ReadSoft
    • Personal & Informatik
    • Generix Group
    • Aldata Solutions
    • Emailvision
    • Kewill Systems
    • Elca
    • ISIS Papyrus
    • SSP Holding
    • AFAS ERP Software
    • Intershop Communications
    • Opera Software
    • Lectra
    • UC4
    • Avast Software
    • proALPHA
    • Cordys
    • Hogia Group
    • Meta4
    • Smartstream
    • Delcam
    • InfoVista
    • Sitecore
    • Fiducial Informatique
    • Norman Asa
    • Schleupen

    Business leasing and finance on bespoke software for all industry sectors

    Our innovative business finance and leasing solutions allow our customers access software to enhance and broaden their business and communication processes by spreading the costs. So whether you are looking for an upgrade to your existing system or a shiny new application, we can offer you a flexible and cost-effective  business finance and leasing solutions that will make the world of difference to your business by spreading the costs of the items.

    We can finance bespoke software applications of the following sectors

    • Agricultural
    • Agricultural Mortgages
    • Farm
    • Vendor
    • Fleet Car
    • Construction
    • Engineering
    • Manufacturing
    • Materials Handling
    • Packaging
    • Print
    • Catering
    • Leisure

    If your business is considering moving IT software spending from a balance sheet expenses to an P/L expense please call our IT software finance experts today or apply online.