Vertiv Financing

Vertiv equipment touches three of the four critical infrastructure layers in a data center: power conditioning, thermal management, and monitoring. A facility that specifies Vertiv Liebert UPS systems, Liebert cooling units, and Vertiv power distribution equipment is making a single-vendor decision that simplifies integration and support but concentrates capital spending on one manufacturer's product line. That concentration is a reason to finance intelligently, not a reason to hesitate.

The Vertiv product portfolio for data centers is extensive. On the power side, the Liebert EXL S1 and related three-phase UPS platforms cover large-capacity applications from hundreds of kVA up to multiple MW in a modular configuration. On the cooling side, the Liebert PDX precision cooling units, CRV in-row cooling systems, and DSE distributed cooling systems address a range of density and architecture preferences. Power distribution units from Vertiv's PDU product line close the loop from the UPS output to the server rack.

We finance the full Vertiv equipment stack. A single UPS purchase, a combined UPS and cooling package for a new build, or a campus-scale Vertiv infrastructure deployment can all be structured as a financing transaction. UPS systems, CRAC units, in-row cooling, and power distribution units are all eligible individually or in combination. Minimum transaction is $50,000, and the sweet spot for most Vertiv transactions is $150,000 to $2 million or more for larger deployments.

The Liebert EXL S1 is Vertiv's flagship large three-phase UPS for critical facilities. It uses a modular power module architecture that allows capacity to be added within a single frame without taking the system offline, and efficiency ratings that qualify for utility incentives in many jurisdictions. For data center operators prioritizing low PUE targets, the EXL S1's efficiency at partial load is a meaningful operational variable, not just a nameplate number. These units price well into six figures and often into seven figures for the largest configurations.

The Liebert PDX precision cooling units are direct-expansion CRAC-style systems that provide floor-level cooling in traditional data center layouts. Capacity ranges from small edge-appropriate units up to large floor footprint systems for high-density rows. The CRV in-row cooling system puts the cooling unit between server racks rather than at the room perimeter, which reduces supply and return air distances and improves the effectiveness of hot-aisle cold-aisle separation. For high-density deployments above 10 kW per rack, in-row cooling often becomes necessary rather than optional.

Vertiv's power distribution unit product line spans basic PDUs through intelligent switched rack PDUs with per-outlet metering and remote switching capability. The intelligent PDU segment is where DCIM integration begins at the rack level, giving operators granular power visibility that feeds into broader infrastructure management platforms. DCIM monitoring systems that integrate with Vertiv PDUs are also financeable as part of the same package.

The financing path for Vertiv equipment follows the same structure as any data center infrastructure purchase. Credit application plus equipment details starts the process. For transactions under approximately $400,000, application-only financing is available, which covers many single-product Vertiv purchases. Above that threshold, three months of business bank statements is the standard documentation starting point.

Structure options include term loans, equipment leases in both fair market value and dollar-buyout formats, and Sale-Leaseback for Vertiv equipment already installed and in service. The lease structure is particularly common for Vertiv equipment because technology refresh cycles in UPS and cooling equipment often align well with lease terms: a 5-year lease on a Liebert EXL S1 positions the operator for a technology decision at end of term rather than carrying a depreciated asset indefinitely.

Bundling multiple Vertiv products into one financing package is both possible and common. A UPS system, CRAC cooling, and intelligent PDUs from the same facility buildout can go on a single loan or lease, which simplifies vendor payments and reduces administrative overhead versus multiple separate financing contracts.

Funding runs about one to two weeks from completed application. Vertiv lead times on configured systems can be substantial for large orders, so initiating financing at the time of purchase order is better than waiting for delivery.

Data center operators who funded a Vertiv infrastructure refresh out of operating capital or who want to recapture cash from existing equipment have two primary options: sale-leaseback and cash-out refinancing.

In a sale-leaseback, the operator sells the Vertiv equipment to a financing company at its current market value and leases it back under an agreed term and payment. The equipment stays installed and operating, the operator keeps control of the data center, and the cash from the sale goes back into the business. This is particularly effective for operators who recently completed a Vertiv upgrade and want to redeploy the capital without waiting for depreciation to reduce the book value.

Refinancing works for Vertiv equipment with an existing financing obligation. Extending the remaining balance over a longer term reduces the monthly payment, and for operators whose Vertiv system still has years of useful life ahead, refinancing is often the more capital-efficient choice compared to replacing equipment that is performing well.

Colocation providers and managed service providers with multiple Vertiv deployments across customer sites sometimes use portfolio refinancing to consolidate equipment obligations and improve overall capital structure.

Vertiv equipment rarely operates in isolation. The full power chain from utility entrance to server rack typically includes transfer switches, switchgear, generators, and cabling that come from other manufacturers. We finance all of these in combination with Vertiv equipment, so a single transaction can cover the Vertiv stack plus the Eaton or Schneider Electric switchgear that feeds it, or the generator set that backs it up.

This cross-brand bundling approach is useful for operators doing a full-floor or full-building infrastructure buildout where multiple vendors are involved. Rather than coordinating separate financing for each vendor's portion, one package covers the complete capital event and simplifies both the approval process and ongoing payment administration.

Tell us what you are buying, the dollar amount, and when you need funding. We will structure your options and respond quickly.

Can I finance Vertiv UPS and cooling together in one loan?

Yes. A bundled financing package covering multiple Vertiv product categories is common and actually simplifies the transaction. The total package value determines the documentation requirements, not the number of product lines included.

Vertiv equipment comes with a service contract. Can the service contract be financed too?

Soft costs including extended service contracts and maintenance agreements can sometimes be financed alongside the equipment, depending on the lender and the proportion of soft costs in the total package. Generally, a transaction where hard equipment represents the majority of the total can accommodate some ancillary soft costs.

Our Liebert UPS was installed three years ago. Can we do a sale-leaseback on it now?

Yes. Sale-leaseback on equipment that has been in service for several years is available, provided the equipment is in good condition and has a remaining useful life that supports the lease term. Vertiv Liebert UPS systems typically have useful lives of 10-15 years, so a 3-year-old unit can often support a 5-7 year leaseback.

Does Vertiv offer its own financing through its dealer channel?

Vertiv and its distributors sometimes have financing programs available. Comparing those terms against independent financing options is worth doing for larger transactions, as independent financing may offer more flexibility on structure, credit profile, or bundling of non-Vertiv components.

Can we finance Vertiv equipment for an expansion that is still in design phase?

Financing approval can be obtained before a project is finalized, and the purchase order and equipment invoice are required to actually close and fund. Some buyers get pre-approved during the design phase so the financing is in place when the purchase order is ready.