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Wifi Infrastructure Finance

Spread the cost of commercial wifi infrastructure from £1,500 to £60,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a wifi infrastructure?

Yes, wifi infrastructures 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 £1,500 to £60,000, 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.

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2-minute application
No credit check to apply
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Typical Cost

£2k – £60k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.5% APR

What would a wifi infrastructure cost per month?

£10,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical wifi infrastructure price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.8% APR
Term
24–36 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A one-off wifi rollout across a fixed set of premises

Finance Lease

Rate
From 5.5% APR
Term
24–36 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling access points, switches and cabling into a single deductible payment

Operating Lease

Rate
From 6.2% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Multi-site businesses upgrading to the current WiFi standard every few years. Off balance sheet.

Representative example

On a purchase price of £10,000: a 10% deposit of £1,000, then 48 monthly payments of £211 at 5.9% APR representative (fixed). Total amount payable £11,128, 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
Ubiquiti UniFi Access Point (per unit, fleet order) £100 – £350 per AP Ceiling/Wall Access Point
Cisco Meraki MR Series Access Point £400 – £1,200 per AP Cloud-Managed Access Point
HPE Aruba Instant On Access Point £150 – £500 per AP SME Access Point
PoE Switch & Structured Cabling Kit £1,000 – £8,000 Supporting Infrastructure

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Tax benefits

Access points, PoE switches and cabling qualify for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year it is bought, and lease payments are deductible in full as they are paid. Cloud management licences, which many access point vendors charge per device per year to unlock centralised dashboards and features, are a running cost and typically sit outside the finance agreement.

Market context

The typical buyer is a business covering a retail, hospitality, warehouse or multi-site office with reliable wifi, often prompted by a move, an expansion, or guest and staff networks that have outgrown a handful of consumer-grade routers. WiFi standards move roughly every four to six years, most recently from WiFi 5 to WiFi 6 and WiFi 7, and each generation brings enough of a real-world speed and capacity improvement that access points bought on the previous standard are usually worth replacing well before they physically fail. Installation, cabling to each access point and any PoE switch upgrade needed to power them can be a substantial share of the total project cost, separate from the access points themselves.

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

Does wifi infrastructure finance cover installation and cabling to each access point?
It can, but check the supplier's quote carefully. Running a cable to every access point location, particularly in an existing building, is often the most labour-intensive and expensive part of a wifi rollout, and some lenders are willing to fund this as part of the agreement if it appears on the invoice, while others prefer to finance only the physical hardware and leave installation to be paid separately.
Does the finance cover the cloud management licence some access points require?
Generally no. Several commercial wifi vendors, including cloud-managed brands, charge an annual per-device licence to unlock the management dashboard, guest network features and support, and this is billed as a subscription rather than sold as part of the hardware. It's a genuine running cost that catches some buyers out when comparing a cheaper hardware-only quote against a vendor that bundles the licence in.
How many access points does a typical office or retail unit need?
It depends heavily on the building's construction, the number of concurrent devices and how the space is used, but a rough starting point for a standard office is one access point per 500 to 1,000 square feet, with denser coverage needed in areas with thick walls, high device density such as a warehouse pick area, or public wifi in a retail or hospitality setting. A proper site survey from your installer is worth having before finalising the order.
Is leasing or hire purchase better for wifi infrastructure?
Hire purchase suits a single-site business installing wifi it expects to run unchanged for years. A lease suits multi-site businesses or those expecting to expand, since it makes it easier to add or refresh access points across sites on a predictable schedule rather than owning a fixed set of hardware that ages at different rates across locations. If you're unsure which route fits, a broker can model both options against your expected site count and expansion plans before you commit.
How quickly can wifi infrastructure finance be approved?
Most applications are approved within 24 hours, and wifi infrastructure 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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