Spread the cost of a cremator from £150,000 to £450,000+ with flexible finance options: HP, lease or refinance.
Yes, cremators 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 £150,000 to £450,000, and most deals are written over 36–84 months with a deposit of around 10–20%. Decisions typically take 5–10 working days. Used machines are financeable too, usually with a shorter term.
Typical Cost
£150k – £450k
Approval Speed
5–10 working days
Case-by-case for higher-value orders
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical cremator price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £250,000: a 10% deposit of £25,000, then 48 monthly payments of £5,274 at 5.9% APR representative (fixed). Total amount payable £278,152, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Single-Chamber Gas-Fired Cremator | £150,000 – £300,000 | Single-Chamber Cremator |
| High-Capacity Cremator with Emissions Abatement | £300,000 – £450,000+ | High-Capacity Cremator with Abatement |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Cremators qualify for the Annual Investment Allowance, so a purchase or HP agreement can usually be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. Installation, commissioning and any building work needed to house the unit are usually invoiced by the installer and can often sit on the same agreement if itemised on the quote.
Cremators are bought by local authority and private crematorium operators, usually to replace equipment reaching the end of its service life or to add capacity at a busy site. This is one of the largest single equipment purchases a crematorium makes, and because a cremator is expected to remain in service for a great many years, replacement is planned well in advance rather than being an unplanned expense. Cremators are long-life capital assets operating within a stable, low-churn sector, which is a combination lenders in this space generally view favourably when assessing an application. Environmental permitting and emissions standards for cremators are subject to ongoing regulatory requirements, and an operator should confirm current standards with the appropriate environmental regulator before specifying replacement or upgrade equipment, since this affects what a new unit needs to include.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.