
08/09/2025
How to finance tech and IT equipment
Keeping your business tech up to date doesn’t have to mean a big hit to your cash flow.
From laptops and servers to point-of-sale systems and software, tech is an essential part of business operations, but it often needs replacing faster than other assets. That’s where equipment finance can help.
Financing your tech allows you to spread the cost over time while keeping your business running on the latest tools. Depending on your needs, you might opt for a chattel mortgage (where you own the equipment outright from day one), or an operating lease or rental agreement that gives you flexibility to upgrade at the end of the term.
Lenders understand that tech depreciates quickly, so the structure of the loan can be tailored to suit, with shorter terms and payments that align with your cash flow.
Whether you're scaling up, replacing outdated systems, or fitting out a new team, tech finance keeps your business agile without tying up capital. Before you buy, speak to a finance broker who can help you compare your options.