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Gable Business Finance is a specialist UK finance broker arranging funding for manufacturing equipment, machinery, and business-critical assets. A core
area of demand across every sector of the UK economy is finance for
IT hardware – physical technology assets such as servers, computers, storage systems, and networking equipment.
IT hardware underpins modern business operations. From manufacturing and logistics to professional
services, retail, healthcare, and data-driven industries, reliable technology infrastructure is
essential for productivity, security, and growth. These assets are widely recognised by lenders as
business-critical hardware and are fully eligible for asset finance.
Across the UK, small and medium-sized enterprises (SMEs) rely on IT hardware to operate efficiently,
secure data, communicate with customers, and manage internal systems. As digital transformation
accelerates, the scale and complexity of IT infrastructure required by SMEs continues to grow.
IT hardware includes a broad range of assets, from end-user devices to enterprise-grade infrastructure.
Businesses invest in technology to improve efficiency, support remote working, comply with data
regulations, and enable scalable growth.
Many UK SMEs face regular technology refresh cycles as hardware becomes obsolete or insufficient for
new software, security requirements, or workloads. Purchasing IT hardware outright can place strain on
cash flow, particularly when multiple devices or systems are required simultaneously.
IT hardware finance allows businesses to deploy up-to-date technology immediately while spreading the
cost over time. This ensures continuity, performance, and resilience without large upfront expenditure.
Investment in IT hardware has grown steadily across the UK, driven by digitalisation, cybersecurity
requirements, regulatory compliance, and changing working practices.
Businesses across all sectors are adopting digital tools, cloud platforms, and data-driven systems.
Reliable hardware infrastructure is essential to support these technologies.
The shift towards flexible working has increased demand for laptops, secure networking equipment, and
centralised servers that support remote access.
Regulatory frameworks such as GDPR have increased the need for secure servers, firewalls, and backup
systems to protect sensitive data.
Backup systems, redundant servers, and reliable infrastructure reduce downtime and protect against
system failures, cyber incidents, and power outages.
As technology becomes more integral to operations, businesses increasingly use asset finance to fund
IT hardware upgrades in a controlled and predictable way.
Gable Business Finance arranges flexible funding solutions for IT hardware, from single-device purchases
to large-scale infrastructure projects.
Hire purchase is a common option where a business intends to own its IT hardware outright. The business
pays a deposit followed by fixed monthly repayments, with ownership transferring at the end of the term.
A finance lease allows a business to use IT hardware while paying rentals over an agreed period. This
option is popular for technology with regular refresh cycles.
Operating leases provide flexibility where businesses want to upgrade hardware frequently or avoid
ownership risk as technology evolves.
Businesses that already own IT hardware outright can release capital through asset refinance, unlocking
cash tied up in existing technology.
Yes. IT hardware such as servers, computers, and networking equipment is widely accepted for asset
finance.
In many cases, software licences can be bundled with hardware finance, subject to lender criteria.
Some lenders will consider used or refurbished hardware, depending on age and specification.
VAT is usually payable upfront on hire purchase agreements, depending on the finance structure.
Hire purchase funded a secure on-premise server and backup system.
Finance supported ERP system hardware deployment.
Asset finance enabled real-time fleet and warehouse connectivity.
Structured finance aligned repayments with growth projections.
Finance enabled multi-site technology rollout.
Startup-approved finance supported business launch.
Funding supported compliance and data protection.
Asset finance enabled productivity improvements.
Multi-asset finance structured across multiple departments.
Finance supported remote access and collaboration tools.
IT Hardware Finance UK – Gable Business Finance arranges specialist funding for servers,
computers, and networking equipment. Flexible hire purchase, leasing, and asset refinance solutions for
UK businesses.