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In the spirit of helping in any way that we can, COOLSPIRiT also has financing options available for any of our solutions or support services. 

When companies are procuring IT products, services or support, they may wish to consider finance options to help with cash flow or tax relief benefits.

Some benefits of certain finance packages are:

  • A company can become more agile to market opportunities through cash preservation.

  • Preservation of cash for core business activities.

  • Replace investment peaks specific to cash purchase with fixed rentals.

  • Warehouse costs until the go-live date with our pre-lease facility.

  • With leasing, pay less than a cash purchase with 100% tax-deductible rentals.

Budget 2021 update: Corporation tax super-deduction announcement.

From 1 April 2021 to 31 March 2023 companies investing in qualifying new capital equipment purchases will benefit from new first-year capital allowances.

Under this measure, by HMRC, a company will be allowed to claim:

  • a super-deduction providing allowances of 130% on most new capital investments, that ordinarily qualify for 18% main rate writing down allowances
  • a first-year allowance of 50% on most new capital investments that ordinarily qualify for 6% special rate writing down allowances.

For eligibility to claim this tax relief, a company must always seek clarification from their own accountants.

To help understand what products are eligible, speak to your COOLSPIRiT Account Management team today.

Financing Options Available


A Lease is a financial contract between the customer and a provider for using a particular
asset/equipment over a period of time and can save anywhere between 5% and 15%.

A lease agreement can be made flexible enough to meet the financial requirements of both the parties and allows the user to continue using the devices, or return if required.

Hire Purchase

Hire Purchase is an installment purchase where the customer agrees to pay the cost of the equipment in different installments over a period of time.

This installment covers the principal amount and interest cost towards the purchase of an asset for the period the asset is used.

The hirer gets the possession of the asset as soon as the hire purchase agreement is signed and becomes the owner of the equipment after the last payment is made.


A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest.

There are a number of different types of business loans available to customers. IT products and services are procured from this pool of ‘loaned’ money. 


We understand that when companies find themselves in market situations like we're currently in with the Covid-19 pandemic, cash flow is key and if there is assistance available by our providers, we will always advise.

Currently both HPE Financial Services & Cisco Capital are helping customers navigate the uncertain business climate with options such as deferred payments, reduced payments and deployment schedule deferral.

Contact our team of Experts to learn more.

Flexible Payment Options

We can help you make payments monthly, quarterly, six-monthly or annually depending upon the finance provider details on offer.

Dedicated Finance Support

We help you factor in how equipment ages and depreciates and how technology investments can be leveraged to gain benefits. With our IT and financing expertise, our team always endeavours to deliver the solution you need.

Financing with Multiple Providers

Our team of finance experts will help you ensure that you receive the best terms possible, from a range of providers, for your selection. We can provide comparison details of  all costs and payments involved.

Years of Technology Experience

Our team, with over 20 years' experience help negotiate the best deal on your hardware, software or support investment with insight into the providers’ pricing and incentive programs. 

Discover our finance plans

Talk to one of our experts about a financing structure that fits your business requirements.