technology · Equipment & asset finance
Security system finance
Cameras and access control are usually installed into the building, so the funding works differently to movable equipment. We structure it around your lease.
What is security system finance?
Security system finance is funding for CCTV, access control, alarms and monitoring infrastructure, usually structured over a short to medium term because much of the installation becomes fixed to the premises. Australian businesses commonly fund security as part of a wider fit-out or technology facility.
Security spending has shifted from deterrence to evidence and access management. Modern systems combine high-resolution cameras with cloud storage, analytics and card or mobile-based access control, and they increasingly sit on the same network as everything else in the business. That makes cyber security a real consideration: unpatched cameras are one of the more common entry points into a small business network.
On finance, the practical issue is that most of the installation ends up fixed to the building. Cabling, mounts and door hardware cannot be recovered, so lenders treat security more like fit-out than equipment and keep terms shorter. If you are fitting out premises anyway, folding the security package into that facility is usually simpler and cheaper than arranging it separately.
Security system finance at a glance
| Typical price range | $4,000 – $150,000 |
|---|---|
| Finance term | Up to 60 months |
| Useful life | About 8 years |
| New or used | New installations are standard because camera resolution, analytics and cyber security have moved quickly; used security hardware is rarely financed. |
| Indicative rates (Technology finance) | 8% – 18% p.a. · rate history |
| Finance structures | Technology finance (recommended), Fit-out finance, Operating lease |
How lenders assess security system finance
Cameras, cabling and access control fixed to a building are hard for a lender to recover, so security systems are usually funded under technology finance or fit-out finance rather than as secured equipment. Terms are typically 24 to 60 months and, on leased premises, capped by the lease. Monitoring contracts are separate ongoing costs and are not usually financed. Where a security package forms part of a larger fit-out or equipment purchase, it can generally be rolled into the same facility.
Before you buy
- Specify camera resolution and storage retention against what you actually need for evidence, not the maximum the installer offers.
- Check that the system is patchable and that the manufacturer still issues firmware updates — old cameras are a genuine network risk.
- Keep the monitoring contract separate and reviewable; it is an ongoing cost that outlasts the hardware.
Commonly financed
Hikvision and Dahua CCTV · Axis Communications network cameras · Gallagher access control · Inner Range Integriti systems · Bosch alarm and detection systems
Estimate security system repayments
- Number of repayments
- 60
- Balloon at end of term
- $15,400
- Total interest (est.)
- $28,540
- Total repaid (est.)
- $105,540
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
What is security system finance?
Security system finance is funding for CCTV, alarms and access control including installation, usually structured under technology or fit-out finance. Terms are typically 24 to 60 months and are generally capped by the remaining lease where premises are leased.
Can alarm monitoring be included in finance?
Generally no. Monitoring is an ongoing service contract with a monitoring provider rather than a capital cost, so it is usually paid monthly and kept separate from the finance. Some suppliers bundle it, in which case check the total cost and the contract length carefully.