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AV Equipment Finance

Spread the cost of AV equipment from £2,000 to £150,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a av equipment?

Yes, av 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 £2,000 to £150,000, and most deals are written over 24–48 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
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Typical Cost

£2k – £150k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.6% APR

What would a av equipment cost per month?

£22,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
24–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Venues and offices installing AV they expect to run largely unchanged for years

Finance Lease

Rate
From 5.6% APR
Term
24–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling displays, sound, processing and installation into one deductible payment

Operating Lease

Rate
From 6.3% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Refreshing AV as connectivity and display standards move on. Off balance sheet.

Representative example

On a purchase price of £22,000: a 10% deposit of £2,200, then 48 monthly payments of £464 at 5.9% APR representative (fixed). Total amount payable £24,472, 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
Epson EB-PU Series Laser Projector £4,000 – £15,000 Laser Projector
Commercial Speaker & Amplifier Package £2,500 – £12,000 Sound Reinforcement
AV Signal Processing & Control Rack £3,000 – £18,000 AV Processing
Room Cabling, Mounting & Commissioning £2,000 – £15,000 Installation

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Tax benefits

AV hardware, including projectors, speakers, amplifiers and signal processing equipment, qualifies for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. Installation and cabling are frequently invoiced as labour separately from the equipment; check with your accountant and lender whether this needs to sit inside or outside the capital asset for tax purposes.

Market context

The typical buyer is a venue, office, place of worship, education provider or hospitality business fitting out a room or building with sound, projection and control equipment, whether for a single space or across a whole site. AV projects are unusually installation-heavy compared with most other technology purchases: cabling, mounting, room acoustics and commissioning can rival or exceed the cost of the equipment itself, particularly in an existing building rather than new-build construction, so it's worth pricing hardware and labour separately when comparing installer quotes. Display and connectivity standards move roughly every few years, which is why many venues prefer a shorter lease term over buying AV equipment outright for the long term.

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 complete AV installation, not just the hardware?
Yes, most lenders will finance displays, speakers, amplifiers, processing equipment, cabling and installation together on a single agreement, provided it's all on the supplier's invoice. Given how large a share installation can be of the total AV project cost, bundling it into the finance agreement rather than paying labour separately from working capital is the more common approach. If your project spans several rooms or a phased rollout, ask whether the lender can structure the agreement to release funds in stages as each phase completes.
What's the difference between this page and specific AV categories like projectors or LED walls?
This page covers a general or mixed AV installation, for example a full room fit-out combining a projector, sound system and control processing. If you already know your project is mainly one type of equipment, such as a video wall or a large venue projector, our dedicated pages for those categories go into more detail on the specific hardware and pricing involved.
How much of an AV project's cost is typically installation rather than equipment?
It varies a great deal by venue and scope, but in an existing building with limited existing cabling infrastructure, installation, cabling and commissioning can be a substantial share of the total cost, sometimes comparable to the equipment itself. New-build or recently renovated spaces with cable routes already in place tend to have a lower proportion of the budget going to labour.
Is leasing or buying better for AV equipment?
Hire purchase suits a fixed installation, such as a permanent auditorium or boardroom fit-out, that a business expects to run largely unchanged for years. A lease suits venues that expect to upgrade displays or connectivity standards within a few years, or that would rather treat AV as a predictable operating cost than a depreciating capital asset. Many venues end up mixing the two, buying the fixed structural elements outright while leasing the display and processing technology that's more likely to need refreshing.
How quickly can AV equipment finance be approved?
Most applications are approved within 24 hours, and av equipment purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

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