Spread the cost of business servers from £3,000 to £60,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.
Yes, servers 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 £60,000, and most deals are written over 24–60 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£3k – £60k
Approval Speed
24 hours
Same-day for < £30k
Rates From
5.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical server price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £12,000: a 10% deposit of £1,200, then 48 monthly payments of £253 at 5.9% APR representative (fixed). Total amount payable £13,344, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Dell PowerEdge R450 Rack Server | £3,500 – £7,500 | Entry Rack Server |
| Dell PowerEdge R760 Rack Server | £8,000 – £25,000 | Rack Server |
| HPE ProLiant DL380 Gen11 | £6,500 – £20,000 | Rack Server |
| Lenovo ThinkSystem SR650 V3 | £5,500 – £18,000 | Rack Server |
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Check EligibilityServers 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 treated as an operating cost and are deductible in full as they fall due, which suits businesses that would rather spread the tax benefit over the term than take it all upfront.
The typical buyer is a business replacing an ageing on-premise server or adding capacity outside its cloud environment, most often for line-of-business software, backup targets or workloads that need to stay on site for compliance reasons. Server hardware holds resale value reasonably well within its first few years, which is why hire purchase remains common, but many IT teams now prefer a lease so the refresh cycle lines up with the manufacturer's warranty and support contract rather than running hardware past the point where parts and firmware updates are still available.
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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