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Embalming Table Finance

Spread the cost of a embalming table from £1,000 to £6,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a embalming table?

Yes, embalming tables 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 £1,000 to £6,000, and most deals are written over 24–60 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

£1k – £6k

Approval Speed

24–48 hours

Same-day for < £5k

Rates From

6.0% APR

What would a embalming table cost per month?

£2,500
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
24–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A funeral home's main preparation room table, used regularly and expected to last for many years

Finance Lease

Rate
From 6.0% APR
Term
24–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Bundling a table with a wash-down station into one deductible payment

Operating Lease

Rate
From 6.8% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
A newer firm wanting to keep a modest deposit while the preparation room is fitted out

Representative example

On a purchase price of £2,500: a 10% deposit of £250, then 48 monthly payments of £53 at 5.9% APR representative (fixed). Total amount payable £2,794, 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
Folding Embalming Table (portable, with drainage) £1,100 – £1,800 Portable Folding Embalming Table
Fixed Stainless Steel Embalming Table £2,000 – £4,000 Fixed Stainless Steel Table
Embalming Station with Integral Sink/Wash-Down £3,000 – £6,000 Embalming Station with Sink

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Tax benefits

Embalming tables 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.

Market context

Embalming tables are bought by funeral homes fitting out or upgrading a preparation room, either as a first purchase for a new firm or a replacement for an older table. A funeral director finances a table, usually alongside other preparation room equipment, because a stainless steel table built for this specific purpose, with proper drainage and a hygienic finish, is a purpose-built asset rather than a general workshop or medical bench. Replacement is generally driven by a table reaching the end of its practical service life or a firm upgrading from a portable folding table to a fixed, plumbed-in station as it grows. This is a long-life, low-churn category of equipment, in keeping with the wider funeral sector, and the used market is modest but active through specialist mortuary and funeral equipment suppliers.

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

What's the difference between a folding table and a fixed embalming station?
A folding table is portable, self-contained and suits a smaller firm or one that doesn't have a dedicated preparation room, while a fixed stainless steel table or a full embalming station with an integral sink is plumbed in and suits a firm with a permanent, dedicated preparation room. Both are financed the same way; the choice depends on the firm's premises and how much preparation work it carries out.
Can I finance an embalming table alongside other preparation room equipment?
Yes, a table is commonly financed together with other preparation room items bought at the same time, such as a wash-down station or storage cabinets, provided everything is itemised on the supplier's invoice. This is a practical way to fit out a preparation room in one purchase rather than financing each item separately. Suppliers who specialise in mortuary and funeral equipment are generally used to providing a single itemised quote covering everything needed for a preparation room, which makes this kind of combined application straightforward.
Is finance available for a used embalming table?
Yes, provided it comes from a reputable specialist supplier with a clear description of condition, a used stainless steel table can be financed the same way as a new one. This is a sound option for a newer or smaller firm, since well-maintained stainless steel equipment of this kind has a long practical service life. As with any used equipment, it's sensible to check the table has been properly cleaned and refinished by the seller before it's installed, though that's a matter for the supplier rather than the finance agreement itself.
Is hire purchase or a lease better for an embalming table?
Most funeral homes choose hire purchase, since a table is a long-life, fixed part of the preparation room that the firm wants to own outright. A newer firm still establishing its premises sometimes prefers a lease for the initial fit-out, keeping the deposit modest while the wider business gets established. Given how long a well-built stainless steel table typically lasts, most firms find the choice makes little practical difference to their overall running costs either way.
How quickly can embalming table finance be approved?
Given the modest cost involved, most applications are approved within 24 to 48 hours, provided the firm has a clean credit history and a clear supplier quote. Where the table is part of a larger preparation room fit-out application, approval follows the timeline of that wider project instead. For most firms, this is one of the more straightforward equipment finance decisions to make as part of setting up or refreshing a preparation room.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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