Equipment Financing
Straightforward for hardware with a multi-year service window — servers, storage, network cores.
Industries · Technology & Software
Technology and software financing
Servers, network gear, and the software on them are bought in refresh cycles, not one-off purchases. Financing matches the cost to the cycle.
The work
Equipment reality
Technology spending arrives in waves — a server refresh, a network upgrade, a workstation fleet, an ERP implementation. The equipment is explicit about its own lifespan: hardware generations, support windows, license terms. And much of the cost is not hardware at all; software licenses, implementation, and migration work are often the larger share of a project.
Financing structures for technology include term loans on hardware, leases built around refresh cycles, and schedules that bundle hardware, software licenses, and implementation into one request. Soft costs are normal in this category rather than an exception. Reviews typically lean on the business's financial history more than on the collateral, because hardware loses value on a short cycle and software has essentially none to resell.
Eligible equipment
What typically qualifies
- rack and blade servers
- GPU compute servers
- data storage arrays
- network switches and routers
- firewalls and security appliances
- uninterruptible power supplies
- precision cooling units
- workstation and laptop fleets
- VoIP and unified communications systems
- video conferencing hardware
- enterprise software licenses and implementation
- audiovisual and studio equipment
Qualification
What lenders typically weigh
- Time in business and financial history — weighted heavily, because the collateral loses value quickly.
- The software share of the request — heavily software-weighted requests read closer to a pure credit decision.
- Revenue consistency of the business.
- Existing debt load.
- Down payment, which typically matters more on soft-cost-heavy requests.
Descriptive, not a promise — factors and weightings vary by file.
Checklist
Documents to have ready
- Recent business bank statements — several months is typical
- Business tax returns, typically the last two years
- Interim financial statements — profit and loss, balance sheet
- Vendor quotes, including any software statement of work
- Debt schedule
- Government ID for the owners
Questions
Asked and answered
Software and implementation financing exists as its own category. With no resale collateral behind the request, reviews typically rest almost entirely on the business's financials and history — closer to a straight credit decision than an asset decision.
That risk is priced into how this category works: terms in technology typically run shorter than in categories built around long-lived iron, and leasing structures put an upgrade decision at end of term by design. Matching the term to the planned refresh cycle is the practical guard.
Both are common, and the split follows intent. Financing suits gear the business means to keep past its support window; leasing suits fleets replaced on a schedule. The leasing-versus-financing comparison in the resources section walks through the trade-offs.
Commonly, yes. When a project is quoted as one effort — hardware, software licenses, implementation services — it is typically financed as one schedule rather than split into separate agreements.
Related industries
Run the numbers. Then decide.
The calculators and the eligibility check show results on the page — no email required, no contact details collected. When the structure makes sense, the application asks for the equipment, the amount, and your timeline. Terms arrive in writing before anything is owed.