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Audio Visual Equipment Finance

Spread the cost of AV equipment from £3,000 to £200,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a audio visual equipment?

Yes, audio visual equipments are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £3,000 to £200,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £200k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.5% APR

What would a audio visual equipment cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical audio visual equipment price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Venues and offices wanting to own AV equipment outright

Finance Lease

Rate
From 5.5% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 6.2% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Upgrade AV tech as standards evolve. Off balance sheet.

Representative example

On a purchase price of £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Samsung LED Video Wall (2x2) £15,000 – £30,000 LED Display
Crestron Flex UC System £8,000 – £15,000 Conference System
QSC Q-SYS Ecosystem £10,000 – £25,000 AV Processing
Epson EB-PU2220B Projector £5,000 – £12,000 Laser Projector

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Tax benefits

AV equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP allows capital allowances. Lease payments are fully deductible.

Market context

AV systems are bought by corporate offices fitting out meeting rooms, hotels and conference venues, churches and theatres, and education providers kitting out lecture halls. Finance suits the buyer because a full room fit, screens, cameras, mixers, control systems and cabling, is a specified project cost rather than a single unit, and spreading it protects cash for the rest of a refurbishment. Replacement is driven by changing meeting formats and connectivity standards rather than hardware failing outright. Resale value on used AV kit is modest once a generation of connectors or codecs is superseded, so most of this spend is financed rather than bought second-hand.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a full AV installation?
Yes, most lenders let you bundle displays, speakers, processing and control systems, cameras and cabling into a single finance agreement rather than financing each component separately. This suits a full meeting room, auditorium or venue fit-out, where the equipment list is long and specified as one project by an integrator rather than bought item by item. Putting the whole installation on one agreement also means one monthly payment and one renewal date to track, which is simpler for the business managing the room than juggling several supplier invoices and finance facilities running to different schedules.
What deposit do I need for AV equipment finance?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases can often be arranged with no deposit at all. This matters for AV in particular, since a full room fit-out is usually only one part of a wider refurbishment budget that also has to cover furniture, décor and building work, so keeping cash free elsewhere often outweighs the benefit of a lower monthly payment. A larger deposit will still reduce the ongoing cost if the business has the cash available and prefers to minimise the finance balance.
Is leasing or buying better for AV equipment?
Leasing is generally preferred for AV because display, camera and codec technology moves quickly, and an operating lease lets a venue refresh its equipment every two to three years without being left running outdated connectors or compression standards. Hire purchase can be more cost-effective for a permanent, purpose-built installation that the business genuinely expects to keep for its full working life, such as a fixed auditorium rig. Which suits better usually comes down to how likely the room's use and technology needs are to change before the equipment is fully depreciated.
How quickly can I get AV equipment finance?
Most applications are approved within 24 hours, and same-day approval is common for deals under £30,000, which covers a typical single meeting room or small venue fit-out. A larger multi-room installation, or one bundled with building works and furniture as part of a wider refurbishment, takes longer to assess since the lender needs to see the full specification rather than one supplier quote. Providing an itemised breakdown of the AV equipment separately from any construction costs helps keep the application moving without follow-up queries.
What happens if I need to sell or replace the venue's AV equipment mid-term?
Because the finance company retains an interest in the equipment until the agreement ends, whether as owner under a lease or as the party financing your hire purchase balance, you cannot simply sell it on without either settling the agreement early or getting the lender's consent. Most lenders will provide an early settlement figure, and any part-exchange value on the old equipment is normally applied against that balance rather than paid to you directly. If you are upgrading rather than exiting AV altogether, many lenders will roll the settlement into a new agreement for the replacement kit.
Is VAT charged on AV equipment finance, and can I reclaim it?
Hire purchase is normally treated as a supply of goods, so VAT is generally due upfront on the full price, while a finance lease is treated as a supply of services, with VAT charged on each rental instalment instead. If your business is VAT registered and the equipment is used for taxable business purposes, you can typically reclaim the VAT you are charged under the normal input tax rules. If you are not VAT registered, the VAT simply forms part of the cost being financed. Your accountant can confirm the exact treatment for your specific agreement.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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