VoIP System Finance

Q: What part of a VoIP system can actually be financed?

Only the physical hardware, meaning the desk handsets, headsets and any on-site gateway or session border controller, can be financed as an asset. The VoIP calling service itself, including the platform, minutes and per-user licence that most providers charge monthly, is a subscription with no resale value, so it isn't something a finance agreement can cover, even though it's usually the larger part of the total monthly cost.

Q: Is it worth financing handsets rather than just buying them outright?

For a small handset order, the amounts involved may be modest enough that outright purchase makes sense. For a larger fleet-wide rollout, or a growing business expecting to add more handsets over time, financing keeps the upfront capital outlay down and spreads the cost alongside the monthly VoIP subscription you're already paying, which some businesses find easier to budget against.

Q: Can I add more handsets to an existing VoIP finance agreement as my team grows?

It depends on the lender and agreement, but many are happy to arrange a top-up agreement to finance additional handsets as headcount grows, rather than requiring a completely new application each time. Ask your broker about this when setting up the original agreement if you expect to be adding staff over the term. Keeping the same lender for top-ups also tends to be quicker than starting a fresh application each time, since your trading history and credit profile are already on file.

Q: Will a lender finance VoIP handsets for a small or newly formed business?

Yes, this is generally one of the more accessible categories, since the amounts involved per handset are small and handsets are common, easily understood equipment for a lender to assess. Standard trading history and credit checks apply as with any equipment finance application. Many VoIP providers also work with a preferred finance partner, which can make the application quicker if you're ordering handsets directly through them.

Q: How quickly can VoIP system finance be approved?

Most applications are approved within 24 hours, and voip system purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

Spread the cost of a VoIP phone system from £800 to £30,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a voip system?

Yes, voip 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 £800 to £30,000, 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

£800 – £30k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.9% APR

What would a voip system cost per month?

VoIP System price (ex VAT) £5,500

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

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

Finance options

Hire Purchase (HP)

Rate: From 6.2% APR
Term: 24–36 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: A single site standardising on VoIP handsets it plans to keep for several years

Finance Lease

Rate: From 5.9% APR
Term: 24–36 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Deducting the handset and gateway cost against profit separately from the per-seat VoIP subscription

Operating Lease

Rate: From 6.7% APR
Term: 24–36 months
Deposit: None required
Ownership: Return at end
Best for: Growing businesses refreshing handsets in step with headcount changes

Representative example

On a purchase price of £5,500: a 10% deposit of £550, then 48 monthly payments of £116 at 5.9% APR representative (fixed). Total amount payable £6,118, including the deposit. The rate you are offered depends on your business and the asset.

Machine or specification	Guide price	Type
SIP Desk Handset (per unit, fleet order)	£80 – £300 per handset	SIP/VoIP Handset
VoIP Gateway/Session Border Controller	£800 – £4,000	Voice Gateway
Headsets & Softphone Licences (per seat)	£40 – £150 per seat	Softphone Hardware
Multi-Site Installation & Network Configuration	£1,200 – £8,000	Installation

Tax benefits

VoIP handsets and any on-site gateway hardware 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. The per-seat VoIP calling subscription itself, which is the core of most VoIP providers' pricing, is a running cost billed monthly and cannot be financed as an asset.

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.

Frequently asked questions

What part of a VoIP system can actually be financed?

Only the physical hardware, meaning the desk handsets, headsets and any on-site gateway or session border controller, can be financed as an asset. The VoIP calling service itself, including the platform, minutes and per-user licence that most providers charge monthly, is a subscription with no resale value, so it isn't something a finance agreement can cover, even though it's usually the larger part of the total monthly cost.

Is it worth financing handsets rather than just buying them outright?

For a small handset order, the amounts involved may be modest enough that outright purchase makes sense. For a larger fleet-wide rollout, or a growing business expecting to add more handsets over time, financing keeps the upfront capital outlay down and spreads the cost alongside the monthly VoIP subscription you're already paying, which some businesses find easier to budget against.

Can I add more handsets to an existing VoIP finance agreement as my team grows?

It depends on the lender and agreement, but many are happy to arrange a top-up agreement to finance additional handsets as headcount grows, rather than requiring a completely new application each time. Ask your broker about this when setting up the original agreement if you expect to be adding staff over the term. Keeping the same lender for top-ups also tends to be quicker than starting a fresh application each time, since your trading history and credit profile are already on file.

Will a lender finance VoIP handsets for a small or newly formed business?

Yes, this is generally one of the more accessible categories, since the amounts involved per handset are small and handsets are common, easily understood equipment for a lender to assess. Standard trading history and credit checks apply as with any equipment finance application. Many VoIP providers also work with a preferred finance partner, which can make the application quicker if you're ordering handsets directly through them.

How quickly can VoIP system finance be approved?

Most applications are approved within 24 hours, and voip system purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

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