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Apple experts with deployment, support & training -
plus flexible leasing options.

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Business Pay Monthly

Business Pay Monthly

Apple Financial Services Powered by Propel

Point-of-sale digital finance for
business customers

Business Pay Monthly is a flexible payment solution for UK businesses, designed to help them spread the cost of Apple products over fixed monthly payments from 1-4 years.

Available through your KRCS account manager, the process is fully digital and can be completed in minutes.

Powered by Propel, one of the UKʼs leading asset finance providers, this solution is delivered in collaboration with KRCS and Apple Financial Services to offer a seamless way for businesses to access the latest Apple technology.

From application to decision, agreement and end-of-term, Propel delivers the finance, while KRCS delivers the service and Apple expertise their customers know and trust.

Why Choose Business Pay Monthly?

Stay current while paying over time:

Efficiency

Preserve cashflow with fixed monthly payments and no upfront costs

  • Spread the VAT across the term
  • No early settlement penalties
  • Maximise equipment value
Accessibility

Empower your workforce with the latest Apple products on flexible terms

  • Return, upgrade or own at end of term
  • Available through your KRCS account manager
  • Boost productivity with easy access
Sustainability

Returned devices are repurposed, reducing waste and supporting a circular economy

  • Extend product life
  • Reduce environmental impact
  • Do your bit for the planet

How it works

1. Choose your Apple devices

Browse and select the Apple tech your business needs.

2. Speak to KRCS about Business Pay Monthly

Your KRCS account manager will confirm if your basket is eligible, provide you with an indicative quote for the finance arrangement and provide you a link to the on-line application.

3. Complete a quick & simple application

Provide basic business information and details of a registered Director, or an LLP member, who is authorised to sign the finance agreement for verification and eligibility checks. The Director or LLP member will need a valid passport, driving licence or EU ID card. In some cases, a Director or LLP member may be asked to provide a personal guarantee.

Most applications up to £50,000 are approved in minutes. Applications above this value may take a little longer, and we will keep you informed throughout.

4. Sign & receive your Apple devices

If your application is successful, the Director or LLP member will receive the finance agreement (and guarantee if one is needed) by email to review and sign electronically. Your order is then processed, and monthly payments begin one month after you receive your full order.

5. Select your end of term option

At the end of the agreed term, you can decide whether to return, upgrade, continue leasing or buy the Apple device outright.

About Propel:

Propel is one of the UK’s leading asset finance providers. With over 30 years of experience and more than 70,000 businesses supported, Propel was recognised for the Fastest Sustained Growth of an Asset Finance Lender 2022-2025. Discover more here: www.propelfinance.co.uk

Frequently asked questions

What is Business Pay Monthly and how does it work?
Business Pay Monthly gives you access to a lease finance product from Propel, which allows you to spread the cost of your device over 1–4 years. This is powered through Propel’s innovative technology, providing you with a quick and simple application journey.
Propel have collaborated with KRCS and Apple to bring you a compelling finance proposition & access to key lifecycle management solutions for your Apple devices.
UK businesses that have a legal status as a Limited, PLC, or LLP company. To qualify, your business must:
  • Be registered in the UK
  • Have a UK bank account or building society account with Direct Debit facility
  • Have a registered Director or an LLP member (registered at Companies House), who can sign the agreement and provide valid ID (passport, driving licence, or EU ID card)
From as little as £300 with no upper limit. The amount you can borrow depends on the equipment you want to finance and your business situation. Your KRCS account manager will be able to confirm if the equipment is eligible for Business Pay Monthly.
Most decisions are made within minutes. If Propel needs more information, they will get in touch and let you know the next steps.
Not during the term of the finance agreement. During this time, the equipment is owned by Propel and leased to you by Propel. Propel is the finance ‘lender’. At the end of the lease term, you can:
  1. Buy the equipment at a fair market value price (determined by Propel); or
  2. Return the equipment in line with the return conditions, detailed in your finance agreement; or
  3. Continue to lease the equipment from Propel at the same monthly cost
You do not have an automatic right to settle your finance agreement early, but Propel are happy to chat if your plans change and you want to explore this option. If Propel agrees, you will need to pay the remaining balance on your finance agreement.
For early settlement requests, please contact the Propel Support Team on 0161 518 2567, email apple.partnershipsupport@propelpay.co.uk or submit a request via the Propel Customer Portal. Once Propel has received your request, they will follow up with next steps.
For any queries about your finance agreement, please contact the Propel Support Team on 0161 518 2567, email apple.partnershipsupport@propelpay.co.uk or use the Propel Customer Portal.
Yes, it is your responsibility to keep the equipment insured and in good condition. You may need to replace lost or stolen equipment. You may have chosen to take this cover through AppleCare+.
If you return equipment during or at the end of the lease, it should be in decent working order. If it is damaged or not working, there might be a charge – Propel will always let you know in writing if that happens. For full details, check your finance agreement.
Sometimes Propel is unable to approve an application. This might happen if the application does not meet Propel’s lending and eligibility requirements, for example, if Propel determines the payments would not fit comfortably within your budget, or if your credit profile does not align with Propel’s criteria.
Sadly, Propel is not able to supply you with a reason for a decline, but do not worry – you can still complete your purchase using another payment method by speaking with your KRCS account manager.
For more information or assistance with Business Pay Monthly, please contact the Propel Support Team on 0161 518 2567, email apple.partnershipsupport@propelpay.co.uk. If you are an existing customer, you can also contact the Propel team via the Propel Customer Portal.
No, unfortunately the only available payment options are those offered to you during the application process.
Only a registered Director or LLP member can sign the finance agreement. You can pause the application while you contact them and arrange for them to sign. Once they have signed, you will get an email with a link to resume the application when you are ready.
The Applicant is the person applying for finance. In most cases, the Applicant and Director or LLP member signing the finance agreement can be different people. Where a personal guarantee is needed, the application must be completed by the Director or LLP member who will sign both the finance agreement and the personal guarantee.
No, your company bank details are needed as part of the application process. If you do not have the company bank details, you can pause the application process and resume later via the email link.
You can pause your application by pressing the 'Pause' button. You will get an email confirming that your application has been paused and providing a link to resume the application later. The email will also let you know how long the application will remain active. If you do not resume the application in time, the information already provided will be deleted and you will need to reapply by engaging with your KRCS account manager.
You will receive an email confirming the finance agreement has been signed with details of next steps.
Please contact KRCS first to confirm they will accept the return in line with their returns policy. If KRCS accepts the return and you have no additional equipment under the finance agreement, they will tell Propel and your finance agreement will be cancelled.
If you have remaining equipment, this will trigger a new finance agreement. Make sure the new agreement is signed so Propel can adjust your payments correctly. The new finance agreement will need to be signed by the same Director or LLP member who signed the original agreement.
Check your email junk or spam folder first. If it is not there, please contact the Propel Support Team on 0161 518 2567 or email apple.partnershipsupport@propelpay.co.uk. If your email address was entered incorrectly, the application will need to be restarted.
Please get in touch with the Propel Support Team on 0161 518 2567 as soon as possible. Propel can discuss options to help you. For further information, click here.
Propel cannot help you with any queries relating to AppleCare+ coverage or service. If you have any questions relating to AppleCare+ coverage, claims or technical support, please visit Official Apple Support and contact Apple directly using the details listed on their website.
If you have questions relating specifically to AppleCare+ payments made through Business Pay Monthly, please contact the Propel Support Team on 0161 518 2567, email apple.partnershipsupport@propelpay.co.uk, or submit a request via the Customer Portal.
Please contact KRCS. They will handle any equipment issues. If you need to speak to someone about your finance agreement, please get in touch with Propel.
Contact the Propel Support Team on 0161 518 2567, email apple.partnershipsupport@propelpay.co.uk or submit a request via the Propel Customer Portal. Once Propel has received your request, they will follow up with next steps.
In the Propel Customer Portal, you can view your finance agreement(s), check on the status of your applications, request changes to your customer account, and chat with our Customer Service Team. It is your go-to place for managing your account.
Available Finance is an estimate of how much finance your business may be eligible to access through Business Pay Monthly to acquire Apple devices.
Propel will regularly review your business's profile to assess whether additional finance can be made available. If your Available Finance amount changes, you will be notified through the Propel Customer Portal. Each time you apply for finance, Propel will review your application individually to confirm eligibility.
If you have further questions with regards to Available Finance, please contact Propel’s Customer Support Team on 0161 518 2567, or email apple.partnershipsupport@propelpay.co.uk.
This finance option is a residual value (RV) lease. You make regular payments to use the equipment for a set time, and those payments are based on what the equipment is expected to be worth at the end of the lease. This usually means lower payments compared to buying the equipment outright. You will not automatically own the equipment at the end of the finance term.
How this works:
  • If you are interested in financing your Apple equipment instead of buying it upfront, KRCS will refer you to Propel (KRCS acts as the ‘credit broker’)
  • Propel buys the equipment from KRCS and leases it to you (Propel acts as the ‘lender’)
  • You lease the equipment from Propel for the agreed term, as set out in your Lease Schedule
  • You make monthly payments to use the equipment, but you do not pay the full purchase price of the Apple equipment
  • The Apple equipment still has value at the end of the lease - this is called the ‘residual value’
  • Your monthly payments are based on the difference between the purchase price and the residual value, which lowers the cost of using the Apple equipment during the lease
Example: If the Apple equipment costs £1,000 and is expected to be worth £200 at the end, you only pay for the £800 difference (plus interest) over the lease term.
In some cases, a Director or LLP member may be asked to provide a personal guarantee. For further details about a personal guarantee, please click here.

Interested in Business Pay Monthly?

For a quote or more information about leasing, our team is here to help. Email or call to discuss your requirements with one of our specialists.

Email the business team Call us - 0115 985 1797 Book a free consultation
Apple Financial Services Powered by Propel

Finance is subject to status. Terms and conditions apply. Propel Finance No 1 Limited acts as a lender for business customers only. KRCS Group Ltd (Company No. 01741640) acts as a credit broker, not a lender.

The Propel Finance Group includes Propel Finance PLC and Propel Finance No 1 Limited. Propel, Propel Finance, PropelPay and Apple Financial Services are trading styles of Propel Finance PLC and Propel Finance No 1 Limited. Propel Finance No 1 Limited acts as the lender. Propel Finance PLC is registered in Wales, Company No. 04015132, FCA FRN No. 689877, ICO No. Z4905790. Propel Finance No 1 Limited is registered in Wales, Company No. 10003271, FCA FRN No. 751977, ICO No. ZA216560. Registered offices are at Unit 5, Langstone Business Village, Langstone Park, Newport, NP18 2LH, VAT No. 252089996. Propel Finance PLC and Propel Finance No 1 Limited are authorised and regulated by the Financial Conduct Authority. For further details of how we process your data, please read our Privacy Policy and Fair Processing Notice.