Lendus.

Autoclave Finance

Spread the cost of a laboratory or clinical autoclave from £2,500 to £30,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a autoclave?

Yes, autoclaves are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £2,500 to £30,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £30k

Approval Speed

24–48 hours

Often same-day for benchtop units

Rates From

4.9% APR

What would a autoclave cost per month?

£9,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical autoclave price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Practices and labs wanting to own equipment outright

Finance Lease

Rate
From 4.5% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Multi-site providers standardising sterilisation equipment

Representative example

On a purchase price of £9,000: a 10% deposit of £900, then 48 monthly payments of £190 at 5.9% APR representative (fixed). Total amount payable £10,020, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Benchtop laboratory autoclave £2,500 – £6,000 Benchtop Autoclave
Free-standing clinical/laboratory autoclave £8,000 – £18,000 Free-Standing Autoclave
High-capacity autoclave for a diagnostic laboratory £18,000 – £30,000 High-Capacity Autoclave

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Tax benefits

Equipment used wholly for the business qualifies for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 AIA limit. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease rentals are treated as a revenue expense and are usually fully deductible against profits, which is why many practices prefer leasing for equipment that needs replacing on a fixed cycle.

Market context

Beyond dentistry, autoclaves are financed by diagnostic laboratories, veterinary practices, podiatry clinics and aesthetic providers, sized according to load volume and the type of media or instruments being processed. A pathology or research laboratory typically needs a larger free-standing unit for media preparation and waste decontamination, while a clinic processing reusable instruments will size the unit to appointment volume. As with other sterilisation equipment, replacement is often prompted by a failed validation cycle or rising service costs on an ageing unit rather than a fixed schedule.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Is a laboratory autoclave financed differently from a clinical one?
No, both are financed on the same commercial basis. The main difference is sizing, laboratory autoclaves used for media preparation or waste decontamination are often larger capacity than a clinical instrument steriliser, which affects price and therefore the finance amount. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Given the modest deal size for a benchtop unit, some lenders offer no-deposit terms even on hire purchase. Putting down more than the minimum deposit lowers the monthly repayment and can support a better headline rate, which is worth weighing against keeping cash in the business for working capital instead.
How fast can I get approved?
Given the typically modest deal size, most autoclave finance applications are approved same-day or within 24-48 hours. Higher-capacity laboratory units may take slightly longer depending on the overall deal size. Having a recent set of accounts, a supplier quote and the full equipment specification ready at the point of application tends to speed the decision up, since most of the time in any application goes on the lender confirming trading history and affordability.
Can I finance an autoclave alongside other laboratory or clinical equipment?
Yes, lenders will commonly finance an autoclave as part of a wider equipment package, alongside a centrifuge, analyser or other lab equipment, or as part of a clinic fit-out, rather than requiring separate applications for each item. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Does the autoclave need to meet a specific standard?
Autoclaves used in regulated laboratory or clinical settings in the UK need to meet the relevant British and European standards for the class of load processed, with regular validation testing. Your supplier can confirm the right specification; finance covers the commercial purchase of a compliant unit. This is separate from the finance process itself, which is a straightforward commercial assessment of the business's ability to repay; the compliance and registration side sits with the practice, the supplier and the relevant regulator or local authority.

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