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CCTV System Finance

Spread the cost of a CCTV system from £1,500 to £80,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a cctv system?

Yes, cctv systems 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 £1,500 to £80,000, 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
FCA-regulated brokers

Typical Cost

£2k – £80k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.7% APR

What would a cctv system cost per month?

£8,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cctv system price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.0% APR
Term
24–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A permanent installation the business expects to own and maintain long term

Finance Lease

Rate
From 5.7% APR
Term
24–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling cameras, NVR, cabling and installation into one deductible payment

Operating Lease

Rate
From 6.5% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Multi-site retailers upgrading camera resolution and analytics on a set cycle

Representative example

On a purchase price of £8,000: a 10% deposit of £800, then 48 monthly payments of £169 at 5.9% APR representative (fixed). Total amount payable £8,912, 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
Hikvision ColorVu/AcuSense IP Camera (per unit) £150 – £400 per camera IP Camera
Axis Communications Network Camera (per unit) £300 – £900 per camera IP Camera
NVR with PoE Switch & Storage £800 – £5,000 Recording & Storage
Cabling & Installation (multi-camera site) £1,500 – £8,000 Installation

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Tax benefits

CCTV cameras, recorders and cabling qualify for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase. Lease payments are deductible in full as they are paid. If the system includes a cloud video storage or remote monitoring subscription, that portion is a running cost and is not normally included in the finance agreement.

Market context

The typical buyer is a retailer, warehouse, office or licensed premises installing or upgrading CCTV coverage, often prompted by an insurance requirement, a licensing condition, or cameras that have fallen below current resolution and low-light performance standards. Installation and cabling frequently account for a large share of the total project cost on anything beyond a small handful of cameras, particularly where cameras need power and network cabling run through an existing building, so it's worth pricing hardware and labour separately when comparing installer quotes. Camera and recorder technology has improved steadily, with better low-light performance and on-camera analytics becoming standard, which is a common reason businesses replace a system before the original hardware has actually failed.

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

Does CCTV finance cover installation, cabling and commissioning, not just the cameras?
Yes, most lenders are willing to include installation, cabling and commissioning on the same agreement as the cameras and recorder, provided it all appears on the installer's invoice. On a multi-camera commercial installation, labour and cabling can be a significant share of the total cost, so bundling it into the finance agreement rather than paying it separately from working capital is common and usually straightforward to arrange.
Does the finance cover a cloud storage or remote monitoring subscription?
No, not usually. Many modern CCTV systems offer cloud-based video storage, remote viewing apps or a monitored alarm response service on a monthly or annual subscription, and this is a running cost rather than a physical asset, so it sits outside the finance agreement. Budget for the subscription separately when comparing the total cost of ownership between different CCTV suppliers.
How many cameras does a typical small business installation need?
It varies by premises, but a small retail unit or office commonly starts with four to eight cameras covering entrances, tills and stock areas, while a warehouse or larger site can run into dozens of cameras once yard, loading bay and perimeter coverage are included. A site survey from your installer, factoring in what you need to cover and where cabling can realistically run, is the best way to size the system before requesting a finance quote.
Is leasing or hire purchase better for a CCTV system?
Hire purchase suits a single, permanent installation you expect to run largely unchanged for years, since cameras and recorders don't need refreshing as often as computers. A lease suits a multi-site retailer or franchise standardising CCTV across several locations on a rolling upgrade cycle, or a business that wants the option to add cameras or storage as the site grows.
Will a lender finance CCTV for a business that's under two years old?
Generally yes, more readily than for portable IT equipment, since a CCTV installation is fixed in place and has limited resale value on its own, which reduces the lender's concern about the asset being moved or sold. Standard trading history and credit checks apply, and a very new business may be asked for a modest deposit. If the installation is part of a wider fit-out, such as a new lease or refurbishment, mentioning that context to your broker can also help the application.

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