Computer Server Financing

“Financing For Tower Servers, Rack Servers, Blade Servers, And Rack infrastructure”

Computer servers can become a significant cash investment for most businesses.

And while many small and medium sized businesses are heading to the Cloud, there are still a significant number that want to own and maintain their own hardware, or have computer server equipment to provide services to their clients computer needs.

So  instead of depleting your cash resources, you may want to consider equipment financing your computer server acquisition.

And when we say computer servers, this would include Tower Servers, Rack Servers, Blade Servers, and all the related infrastructure that can be required.

Most computer equipment financing will be via a lease financing arrangement.

This can be structured into an operating or capital lease to provide the flexibility the business requires for accounting, taxation, and cash flow purposes.

And one of the great thing about a leasing arrangement is that you can get at or near 100% financing, further conserving on your cash flow from operations.

If your server install also comes with a software component and installation costs, these items can also potentially be financed into a loan or leasing agreement.

For a computer equipment based operating lease, the term that can be provided is typically three years, but for a capital lease, the lease term can range from three to five and a half years in length.

With a capital lease, at the end of the lease term, you automatically acquire the asset for a nominal purchase amount, typically ten to twenty dollars.

Computer Server Equipment Financing Builds Business Credit

One of the reasons that financing companies have increased their interest in financing computer server equipment is due to the fact that computer hardware and software is now basically required by all companies, is always changing, and is always requiring businesses to upgrade.

So for the equipment financing company, after you pay off your server financing arrangement, there is likely going to be future needs that will also require financing.

And the more computer equipment financing you acquire and pay back, the stronger your credit will be for getting additional financing in the future.

Stronger credit with one or more equipment financing companies can lead to higher approval limits and better rates.

So there are both near term and long term advantages to be financing both your computer hardware and software requirements.

For amounts under $50,000, you can get approved for financing with as little as a completed credit application, vendor invoice, business registration information, and personal net worth of a guarantor.

For larger amounts, we would also need to provide the financing company with the last completed financial statements for the applicant company.

Give us a call today to go through any computer server requirements you may have and we’ll quickly provide you with your available financing options.


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