Technology finance · IT and technology
Technology finance for it and technology
IT and technology finance is lending to managed service providers, software businesses and IT resellers, funding hardware for client deployments, software and licence costs, and the working capital of recurring-revenue models.
How a technology finance works for it and technology
Technology finance exists because IT purchases do not behave like machinery. It funds hardware, software licences, implementation labour and even cloud commitments as a single facility, typically over three years — the same length as the client contract the deployment supports. For an MSP that is the crucial alignment: the monthly finance payment and the monthly client payment sit alongside each other. Bundling professional services into the funded amount is normal here and unusual almost everywhere else in asset finance.
The cash-flow pattern we plan around
Hardware and licence costs paid on 30-day distributor terms against client invoices settled 30–60 days later, or recurring monthly revenue that recovers up-front costs across a multi-year contract.
What it and technology typically fund
- Servers, networking and endpoint hardware for deployments
- Software licences and subscription costs
- Funding hardware sold on as-a-service contracts
- Hiring engineers ahead of contracted revenue
- Office and lab fit-out
Technology finance for it and technology: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 8% – 18% p.a. |
| Repayments | Monthly |
| Speed | 2–5 business days |
| Documents it and technology usually need | ABN and two years of financials or 12 months of bank statements · Contracted recurring revenue schedule · Distributor quote or purchase order for hardware |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Technology finance
Technology finance is lending for IT hardware, software licences and cloud services, often structured so that a three-year hardware purchase is repaid over the same term as the client contract it supports.
Recurring revenue lending
Recurring revenue lending is an assessment approach that sizes a facility against contracted monthly subscription income and customer churn rather than against physical assets or historical profit.
What is technology finance?
Technology finance is business lending used to acquire IT and technology assets, including hardware, software licences, implementation services, security systems and solar installations, repaid over the useful life of the technology.
Can software be financed?
Yes, through specialist technology funders that fund licences, subscriptions and implementation costs alongside hardware. Because software cannot be repossessed, it is priced above hardware-only asset finance and not every panel lender offers it.
What is a technology refresh lease?
A technology refresh lease is an operating lease with a scheduled upgrade point, letting a business hand back and replace hardware mid-cycle. It suits laptop fleets, servers and devices where obsolescence is the main risk.