Spread the cost of a business telephony system from £1,000 to £40,000+ with flexible finance options: HP, lease or refinance.
Yes, telephony 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 £40,000, and most deals are written over 24–36 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
£1k – £40k
Approval Speed
24 hours
Same-day for < £30k
Rates From
5.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical telephony 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 £7,000: a 10% deposit of £700, then 48 monthly payments of £148 at 5.9% APR representative (fixed). Total amount payable £7,804, 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 |
|---|---|---|
| Cisco IP Desk Phone (per handset, fleet order) | £100 – £350 per handset | IP Desk Phone |
| On-Premise IP-PBX Server/Gateway | £1,500 – £8,000 | PBX Hardware |
| SIP Trunk Gateway & Session Border Controller | £800 – £4,000 | Voice Gateway |
| Cabling & Multi-Site Installation | £1,500 – £10,000 | Installation |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Desk phones, PBX hardware and voice gateways qualify 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. Call plans, SIP trunk line rental and any hosted PBX licence are billed monthly as a running cost and are not part of the equipment finance agreement.
The typical buyer is a business replacing an ageing on-premise PBX, often prompted by the phased retirement of the traditional analogue and ISDN telephone network in favour of internet-based calling, which has pushed many businesses to move to SIP trunking or a fully hosted phone system. This shift changes what there actually is to finance: hardware such as handsets and any on-site gateway equipment remains a financeable asset, while call minutes, line rental and any hosted PBX platform fee are recurring service charges that were never really assets in the first place, even under the old system. Handsets are relatively low value individually but a fleet-wide replacement across an office can still represent a meaningful purchase.
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.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.