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Live PA Rig Finance

Spread the cost of a live pa rig from £15,000 to £400,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a live pa rig?

Yes, live pa rigs 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 £15,000 to £400,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £400k

Approval Speed

24–48 hours

Same-day for < £30k

Rates From

5.8% APR

What would a live pa rig cost per month?

£60,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical live pa rig price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.2% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A production company's core rental rig, expected to earn its keep across a full working life of bookings

Finance Lease

Rate
From 5.8% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling speakers, amplification, rigging and a control package into one deductible payment

Operating Lease

Rate
From 6.6% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Production companies refreshing rental stock as speaker technology and client expectations move on

Representative example

On a purchase price of £60,000: a 10% deposit of £6,000, then 48 monthly payments of £1,266 at 5.9% APR representative (fixed). Total amount payable £66,768, 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
Compact Line Array PA (small venue, both sides) £15,000 – £45,000 Compact Line Array System
Mid-Format Touring PA Rig £50,000 – £150,000 Mid-Format Line Array + Subs
Large-Format Touring/Festival PA Rig £150,000 – £400,000+ Large-Format Line Array System
Digital Mixing Console & Stage Rack £3,000 – £25,000 Front-of-House Control

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Tax benefits

PA rigs qualify for the Annual Investment Allowance, so a purchase or HP agreement can usually be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. Trucking, crew and rigging labour for individual shows are running costs invoiced separately and sit outside the finance agreement.

Market context

Live PA rigs are bought by touring and event production companies, festival organisers and larger venues building rental or house stock. A production company finances a rig because the full system, cabinets, amplification, rigging and control, represents a major capital outlay that needs to earn its return across many separate bookings rather than one show. Replacement and expansion are usually driven by client demand for a specific manufacturer or output level, or by a rig reaching the point where spares and support are harder to source, rather than the cabinets simply wearing out. Line array systems from established manufacturers hold their value well and trade actively second-hand, which supports both buying used stock and refinancing an existing rig to release capital for the next purchase.

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

How is a live PA rig different from a fixed venue PA system, and does that change the finance?
A live PA rig is generally built and financed by a production or touring company as rental stock, moved between shows and venues, whereas a fixed venue PA is installed once and stays in place. Both are financed the same way, through hire purchase or a lease, but a rental rig more often suits a shorter lease that supports refreshing the stock as touring specifications and client expectations move on, while a venue's house system more often suits hire purchase.
Can I finance a PA rig built from more than one manufacturer's equipment?
Yes, provided each item is itemised on the supplier invoice or invoices, most lenders are comfortable financing a rig assembled from cabinets, amplification and control gear from different manufacturers, which is normal in the touring and production world. If the purchase involves several suppliers, having a single consolidated quote or a lead supplier managing the order usually makes the application more straightforward.
Does PA rig finance cover flight cases, rigging hardware and trucking?
Flight cases and rigging hardware such as motors, chain hoists and truss can usually be included on the same agreement as the speakers and amplification, provided they're itemised on the supplier's invoice. Trucking, crew wages and show-specific rigging labour are running costs tied to individual bookings rather than the equipment itself, and are paid for separately from the finance agreement.
Is hire purchase or a lease better for a live PA rig?
A production company's core rig, expected to be the mainstay of its rental stock for several years, generally suits hire purchase, since the company wants full ownership once the agreement ends. A company that regularly refreshes its stock to stay current with touring specifications more often prefers a finance lease with a balloon payment, which keeps the option to upgrade or trade in open at the end of the term.
Will a lender finance a PA rig for a newly formed production company?
It's possible, though a new company should expect closer scrutiny than an established one, since a PA rig is high-value, portable equipment with an active second-hand market. Evidence of confirmed bookings, a signed contract, a deposit, or a personal guarantee can all help a new production business get its first rig financed. Starting with a smaller rig and expanding on a later agreement, once the business has a trading history, is a common route into the sector.

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