IT hardware financing.

Servers and storage, networking and security appliances, workstation and laptop fleets, phone and VoIP systems, POS systems, data center buildouts, AV and conference room technology, and the installation and deployment that goes with them. Hardware, software, and services can be bundled on one agreement, from a $15,000 usual minimum to $5 million and above.

Leased, more often than most equipment. Servers, laptops, and network gear are refreshed on a three-to-five-year cycle and are worth little at the end of it, which is exactly the case for a fair market value lease: a lower payment, an upgrade path built into the structure, and the return of the old fleet at the end of the term. Equipment that outlives its refresh cycle, such as racks, cabling, and phone systems, is usually financed and owned. The lease vs. loan guide shows both with numbers.

Yes. Full deployments are financed with installation, configuration, licenses, and support agreements included on qualifying transactions, so the business sees one payment for the project rather than separate hardware and services invoices.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase. Because IT hardware depreciates fast, underwriting leans on the business: two or more years in business and clean cash flow matter more than they do on a truck or a machine.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score. A reseller or MSP quote with the hardware and services itemized is usually all a first response needs.

Yes. Resellers, MSPs, and integrators can offer monthly-payment pricing on projects through a vendor program at no cost to the vendor, from a simple referral to a co-branded financing page. The vendor is paid 100% of the invoice on funding.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Often, yes. Our usual minimum is about $15,000, and a single server or a few laptops can come in under that. The common fix is to put the whole project on one agreement: the server plus storage, networking, licenses and installation. Deals run from there into the $5 million-plus range, and qualifying files up to $500,000 can be decided on the application alone, with no tax returns or financial statements.

Leases run 24 to 60 months and equipment finance agreements 24 to 84 months. On IT hardware, though, the term usually follows the refresh cycle. Servers, laptops and network gear are typically replaced every three to five years, so 36 to 60 months is the usual range. Racks, cabling and phone systems last longer and can be financed over a longer term. You don't want to still be paying for a laptop after it's been replaced.

It's a way to pay for IT hardware as one monthly cost instead of a big purchase. The usual setup is a fair market value lease with the hardware, installation, licenses and support bundled on qualifying transactions. At the end of the term you return or upgrade the equipment and start the next refresh, or buy it at market value if you want to keep it. MSPs and resellers that sell hardware as a service can offer the same monthly pricing to their clients through a vendor program, at no cost to the vendor.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.