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Centrifuge Finance

Spread the cost of a laboratory centrifuge from £1,500 to £20,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a centrifuge?

Yes, centrifuges 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 £1,500 to £20,000, 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

£2k – £20k

Approval Speed

24–48 hours

Often same-day

Rates From

4.9% APR

What would a centrifuge cost per month?

£6,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical centrifuge 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
Laboratories and clinics 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 lab equipment

Representative example

On a purchase price of £6,000: a 10% deposit of £600, then 48 monthly payments of £127 at 5.9% APR representative (fixed). Total amount payable £6,696, 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 clinical centrifuge £1,500 – £4,000 Benchtop Centrifuge
Refrigerated laboratory centrifuge £5,000 – £12,000 Refrigerated Centrifuge
High-capacity centrifuge for a diagnostic laboratory £12,000 – £20,000 High-Capacity Centrifuge

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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

Centrifuges are bought by pathology labs, GP practices doing point-of-care blood processing, veterinary in-house labs and aesthetic clinics preparing PRP (platelet-rich plasma) treatments, with the required speed, capacity and refrigeration driving the price. Because a centrifuge is a lower-value item relative to most clinical equipment, it's frequently financed as part of a wider lab or treatment room setup rather than as a standalone purchase, though standalone finance is readily available for a single replacement unit.

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

Can I finance a centrifuge on its own?
Yes, standalone centrifuge finance is available, though given the relatively modest deal size many practices bundle it with an analyser, microscope or other lab equipment into a single agreement rather than applying separately. 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 cost of most centrifuges, many purchases qualify for no-deposit terms. 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. 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.
How quickly can I get approved?
Given the typically modest deal size, most centrifuge finance applications are approved same-day or within 24-48 hours. 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.
Do I need a refrigerated centrifuge?
This depends on the samples being processed, some blood and tissue preparations need to stay at a controlled temperature during spinning, which your laboratory or clinical protocol will specify. Refrigerated models cost more than standard benchtop units, which affects 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.
Can aesthetic clinics finance a centrifuge for PRP preparation?
Yes, a centrifuge used to prepare platelet-rich plasma for aesthetic treatments is financed on the same basis as any other clinical centrifuge. Lenders don't distinguish by end use for this type of equipment. 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.

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