Software Leasing

Thousands of businesses in the UK use Software Leasing to support their growth. How can we help you?

Software Leasing

Thousands of businesses in the UK use Software Leasing to support their growth. How can we help you?

Software Leasing

Many company directors and even IT Managers are still not aware of software leasing. There are some sensible reasons for them to think this.

Companies do not buy software, they purchase a licence to use the software, for a pre-agreed period of time or forever. Software authors such as Microsoft or Sage only grant us a licence to use their software as they own the source code and intellectual property in it. Leasing companies need to “own” the asset that they then rent out to customers. Clearly, they cannot own the software asset as all they are buying is a licence.

However, we do lease computer software and have done for nearly thirty years. Working with a range of finance companies that are comfortable leasing software to end user companies.

Why Choose Scaffold Finance?

  • We partner alongside 20 different funders that are on board with software leasing
  • Currently arranged over 770 software leases for over £29 million in value
  • Our biggest software lease was for £1.585m, the smallest £1,100
  • The database we use has 958 unique software companies in the UK
  • Decision in 24hrs
  • Industry Leading Rates From 2.5%
  • 95% Acceptance Rate
  • 5* Customer Service

Software Lease Calculator

1. For enquiries over £100,000, please contact us directly on 01494 506 383.

2. The rental price indicated is for general guidance and is subject to credit approval.

3. Business users only.

Software Leasing Process

Software Leasing – Benefits

  • Cash flow

    You will be able to keep funds in your business to be used elsewhere

  • Alternative funding lines

    No need to use up an existing bank facility

  • The latest technology

    Always have the latest software at your disposal by implementing a refresh strategy, whereby at the end of the lease period you get the latest license on a new agreement.

  • VAT

    On rental agreements VAT is paid in the rental, not in full and upfront

  • Pay for the software as you use it

    Companies pay employees over time as they work, so why pay all the cost for the software in advance?

  • Tax planning

    Using a lease rental agreement, 100% of your rental is deductible against your companies corporation tax


We can write any software deal starting from a value £1,000.00 + VAT. Our smallest software deal is £1,097 + VAT. The largest software lease we have done to date is just under £500,000 + VAT!

Our average software deal is £21,000 + VAT over a 3 year term.

For software, most deals we do are either over a 1 or 3 year subscription. However we can lease software up to a 5 year term.

Often we take a one month deposit however to keep the monthly rentals lower you can pay more upfront if you wish.

This all depends on the software sold by your supplier. If it is a perpetual license, then yes there is an option to own the software at the end of the rental agreement. If the software is not perpetual, then you can renew the software on a new finance agreement.

Contact us to find out more.

Yes, we can build multiple software licenses into one agreement. Whether it’s one user, or multiple users including different modules, you can pay for these using one monthly payment.

A varied range of software can be included on a lease, in short there’s too many types to write down! Examples of types of software we have used to date include Microsoft software, server software, stock control software, construction software to name a few!

Contact us now for more information.

Applications can be accepted within a few hours and once documents are signed, the software can be delivered and the agreement activated within 2 working days.

Yes. Scaffold Finance can finance 100% software agreements, no hardware is needed!

Yes. The finance company will work out a settlement figure based on how many rentals are left to pay.

If you are a home owner and have a clear personal credit history, we should be able to source funds for you, normally up to £50,000 for software.

Often, we just take a look at the information in the public domain at Companies House. However, there are times when we will ask to see bank statements, last year’s full audited accounts and management accounts.

If the CCJ is satisfied and there is a good reason for the County Court Judgement, then we will argue your case. However, if you have an unsatisfied CCJ, then sadly we will struggle to get finance.

Some leasing companies just do not like financing software. For some company’s it’s seen as too big a risk as there is no tangible asset to be used as security should anything happen to your company during the lease term. WestWon are specialists in the financing of IT equipment, including software.

We do not normally lose business because we are too expensive. Our view is to give cheap lease rates and make sure we do more business together in the future.

See our calculator for our current rates.

Our customer retention rate is extremely high, our latest figures shows that over 80% of customers will use Scaffold Finance again, mainly due to our level of customer service and the range of assets we finance.

Yes, it is up to you who you use as a supplier.

Yes, work alongside a number of suppliers of software in a range of industries. We would be more than happy to put you in touch with a company who can assist.

Technically you can, but nobody ever does. It is more cost effective to set up a brand-new lease.

Software supplier and software authors leasing software

If you are a software supplier and wish to lease software to your customers, then we can help. Here at Scaffold Finance we already work alongside many software companies that have either written their own software or resell third party software such as Microsoft or Sage.

or send us an enquiry online

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