Finance for it and technology, shaped around how you get paid.

Servers, networking and storage, fleets of laptops and workstations, point-of-sale and payment systems, security cameras and access control, audiovisual and conferencing gear, 3D printers and specialist design hardware, commercial solar and battery systems, and the software and services that go with them, including ERP and practice management implementations. Hardware is financed as an asset; software and services are funded by lenders that specialise in intangibles.

Typically one to five years, matched to the useful life of the gear: two to three years for laptops and phones, three to five for servers, networking and audiovisual, and five to seven for commercial solar. Software implementations are usually funded over the length of the licence agreement. Matching the term to the refresh cycle avoids paying for equipment after it has been replaced.

Usually not for hardware, which is typically funded at 100 per cent of the invoice for an established business. Projects with a large software or services component may require a contribution of 10 to 30 per cent because that portion has no resale value. New businesses and larger projects are assessed on financials and may be asked for a deposit or a guarantee.

Yes. Many technology lenders set up a master agreement with a limit so additional hardware, licences or stages of an implementation can be added as schedules without a fresh application, each on its own term. This suits phased rollouts and businesses that add staff and devices regularly. Your broker sets the limit to cover the planned project and headroom for growth.

Two to five business days for most projects, and same day for straightforward hardware within low-doc limits. Suppliers are paid directly against their invoices, and staged projects can be paid as each milestone is invoiced. Get the finance approved once the supplier quote is final so ordering is not held up.

A technology finance facility or trade finance pays distributors for hardware and licences on 30-day terms, and invoice finance or a line of credit carries the cost until the client pays 30 to 60 days later. For recurring-revenue contracts, some lenders fund the up-front cost against the contract’s monthly income over its term.

Yes. Unsecured business loans and lines of credit are assessed on recurring revenue, bank statements and trading history rather than assets, and some lenders offer facilities against annual recurring revenue for subscription businesses. A director’s guarantee is usually required. A broker matches the lender to your revenue model.

Yes. Resellers and MSPs can set up rental or operating lease programs so clients pay a monthly fee for hardware and support while the lender funds the equipment upfront, which turns one-off sales into recurring revenue. Lyft Money can introduce vendor finance programs suited to your volume.

Recurring revenue and contract length, consistent client payments in the bank statements, gross margin on hardware versus services, tax up to date and a clean credit file. Established MSPs with steady managed service income are often approved within a day or two on bank statements.

An operating lease suits assets you want to use but not own — typically technology that dates quickly, or equipment you replace on a fixed cycle. The financier retains ownership and residual risk, you pay for use over the term and hand the asset back at the end, often with fair wear and tear and usage conditions attached. It keeps replacement predictable, but you build no equity, and exceeding the agreed usage can trigger additional charges.