Spread the cost of an office telephone system from £1,000 to £50,000+ with flexible finance options. HP, lease, or refinance
Yes, telephone 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 £1,000 to £50,000, and most deals are written over 12–48 months with a deposit of around 10–15%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£1k – £50k
Approval Speed
24–48 hours
Same-day for < £10k
Rates From
5.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical telephone system price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On 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 |
|---|---|---|
| Small office VoIP handset system, up to 10 users (Poly type handsets) | £1,000 – £3,000 | Small Office System |
| Mid-size office VoIP/PBX system, 10–50 users | £4,000 – £15,000 | Mid-Size Office System |
| Multi-site VoIP/PBX deployment, 50+ users | £18,000 – £50,000 | Multi-Site Deployment |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Telephone system hardware, including handsets, base stations, and on-site PBX equipment, is plant and machinery, qualifying for the Annual Investment Allowance and letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. Lease payments are instead deducted as a business expense against profits as they fall due. Ongoing line rental and call charges are a separate running cost, not part of the finance agreement.
Businesses moving premises, growing headcount, or replacing an ageing analogue system buy telephone systems, typically handsets and either on-site hardware or a cloud-hosted VoIP setup depending on the provider chosen. This equipment fits the broader pattern of IT hardware being commonly leased rather than bought outright, since handset technology and connectivity standards move on over a similar timeframe to other office IT, and a business growing headcount may want to add capacity without renegotiating an ownership agreement each time. Replacement is generally driven by a business outgrowing its current handset count, moving offices, or providers withdrawing support for older on-site PBX hardware in favour of cloud-based systems. Handsets themselves have little resale value once a system is decommissioned, so most operators simply retire old hardware rather than sell it on.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
See how lenders treat professional services assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.