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Cryotherapy Machine Finance

Spread the cost of cryotherapy equipment from £8,000 to £90,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a cryotherapy machine?

Yes, cryotherapy machines 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 £8,000 to £90,000, 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.

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Typical Cost

£8k – £90k

Approval Speed

24–48 hours

Chambers may take longer

Rates From

5.4% APR

What would a cryotherapy machine cost per month?

£30,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cryotherapy machine 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
Clinics wanting to own the 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
Clinics wanting the latest platform without full ownership risk

Representative example

On a purchase price of £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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
Localised cryotherapy device £8,000 – £18,000 Localised Cryotherapy
Cryolipolysis (fat-freezing) system £20,000 – £45,000 Cryolipolysis
Whole-body cryotherapy chamber £45,000 – £90,000 Whole-Body Cryotherapy

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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

Cryotherapy equipment covers a wide range, from a localised device used for small-area treatments, to cryolipolysis fat-freezing systems and full whole-body cryotherapy chambers used in sports recovery and wellness settings. Buyers include aesthetic clinics, sports recovery centres and wellness spas, and given the wide price spread between a localised device and a whole-body chamber, it's worth confirming the specific equipment class with your supplier before applying so the finance is arranged for the right amount. Regulatory position varies by treatment type and intended use, so clinics offering cryolipolysis or whole-body cryotherapy for cosmetic purposes should confirm their specific obligations with the relevant local authority or professional body rather than assuming one rule covers every use case.

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

How much does cryotherapy equipment cost to finance?
This depends heavily on the type, a localised device costs considerably less than a cryolipolysis fat-freezing system, which in turn costs less than a whole-body cryotherapy chamber. Confirm the exact specification and quote with your supplier before applying so the finance is arranged for the right amount. Get a written quote from your equipment supplier covering the exact specification you need before applying, since the finance amount and the terms offered are set against the confirmed purchase price rather than an estimate.
What regulatory position applies to cryotherapy for cosmetic use?
This varies by treatment type and business model, and has been subject to ongoing government review for non-surgical cosmetic procedures generally. Confirm your specific obligations with your local authority licensing team or relevant professional body rather than relying on general guidance, since finance itself doesn't depend on this but the underlying business does. 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.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Higher-value whole-body chambers may see lenders ask for a deposit depending on trading history and the business plan. 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 long does approval take?
Localised devices are often approved within 24-48 hours. Whole-body chambers, given their higher value, may take a little longer while the lender reviews the business plan and projected utilisation. 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 newly established clinics get finance for cryotherapy equipment?
Yes, lenders finance newly established clinics, though as with any new business you may be asked for a personal guarantee or a higher deposit, particularly for the higher-value whole-body chamber category. As with any new business, the lender is likely to ask for a personal guarantee from the owner alongside the standard application, which is normal practice for a limited company with a short trading history rather than a sign of a weaker application.

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