Asset finance guide
Technology equipment finance
Technology upgrades can be important for productivity, security and growth, but the upfront cost can put pressure on cash flow.
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When technology finance may fit
Technology equipment finance may be reviewed for servers, laptops, EPOS systems, telecoms, security systems, production technology or other business-critical hardware.
Lenders may consider the asset type, supplier, useful life, resale value, contract terms and business trading profile.
Documents that help
Useful documents include supplier quote, equipment specification, accounts, bank statements, management figures and an explanation of why the technology is needed.
Where software, licences or installation are included, the structure may need a more careful review.
When a loan may be better
If most of the spend is implementation, consultancy, training or software licences rather than financeable equipment, a business loan may be more relevant.
How Jolt makes the next step easier
You do not need to know the perfect lender at the first step. Jolt looks at the funding purpose, timing, documents and likely route, then helps shape the enquiry around lender appetite.
Start with the amount, what the money is for and how quickly it is needed. If the route is not obvious, the enquiry can still be reviewed without turning this page into another form.
Technology equipment finance FAQs
Can IT equipment be financed?
Some IT and technology equipment may be considered, depending on asset type, supplier and lender criteria.
Can software be financed?
It depends on the structure. Some software-linked spend is harder to finance as an asset.
Can startups finance technology?
Some startups may be reviewed, but deposit, director profile and business plan can matter more.
What documents help?
Supplier quote, equipment details, accounts or management figures and bank statements are useful.