Finance question
Can I finance servers or IT hardware?
Yes. Servers, network switches, storage arrays, workstations and the racks and cabling around them are all financeable business equipment. The gear secures the loan, funding runs up to $500,000 across 40+ lenders, and many deals settle low-doc in 24 to 48 hours.
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The short answer
Your rack is a fundable asset
IT hardware behaves like any other business equipment to a lender. A rack of servers, a storage array, managed switches, UPS units, a fleet of workstations or laptops, even the structured cabling and cooling, holds value and stays in the business. That makes the package security, which is why it funds through equipment finance rather than an unsecured business loan.
The size of the deal varies a lot. A small office refreshing a dozen workstations might spend in the low tens of thousands, while an agency, an MSP or a firm building out its own server room and virtualisation stack can run well into six figures. Equipment finance covers that whole span up to $500,000, so most refresh cycles sit comfortably inside a single facility.
Financing hardware also keeps you on a sensible replacement rhythm. Rather than a large capital hit every few years, you spread the cost over the useful life of the gear and refresh before it ages out. We match the deal to a lender that understands technology assets and prices them accordingly.
Do you qualify?
What makes an IT deal fundable.
Identifiable hardware
Servers, switches, storage and workstations with serial numbers.
An active ABN
Companies, trusts and sole traders all qualify.
A supplier quote
The itemised hardware list gives the loan its security.
A refresh plan
Spreading cost keeps you on a healthy replacement cycle.
Why financing IT hardware works
Preserve capital
A big refresh becomes a manageable monthly cost, not a lump sum.
The gear secures it
Serial-numbered hardware is real security, so lenders price it well.
Refresh on time
Spreading cost makes it easier to replace aging kit before it fails.
A real example
A growing accounting firm builds its own server room: two servers, a storage array, a UPS, switching and cabling, quoted at $46,000. Funded on an equipment facility secured by the hardware and approved low-doc, so the partners upgraded without pulling the money out of the practice. Illustrative only.
Common questions
Frequently asked questions
Can software and licences be included with the hardware?
Often yes. Many lenders let operating system, virtualisation and setup costs sit inside the facility alongside the physical servers and switches.
Is a fleet of laptops financeable, or only big servers?
Both. A batch of workstations or laptops is a common equipment deal, and it can be bundled with docks, monitors and networking gear.
Do I need financials to fund an IT refresh?
Not always. Many technology deals settle low-doc on an ABN and a clean recent history, subject to lender assessment.
How long should I finance IT hardware over?
Usually a term matched to the useful life of the gear, so the finance is clear around the time you would plan to refresh it.