Grooming Equipment Finance

Spread the cost of grooming salon and equine grooming equipment from £2,000 to £20,000+ with flexible finance options. HP, lease, or refinance

Can you finance a grooming equipment?

Yes, grooming equipments 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 £2,000 to £20,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

Typical Cost

£2k – £20k

Approval Speed

24 hours

Same-day for under £10k

Rates From

7.5% APR

What would a grooming equipment cost per month?

Grooming Equipment price (ex VAT) £6,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

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

Finance options

Hire Purchase (HP)

Rate: From 8.0% APR
Term: 12–48 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Mobile and salon groomers wanting to own their kit outright

Finance Lease

Rate: From 7.5% APR
Term: 12–48 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient for a new grooming business fitting out its first salon

Operating Lease

Rate: From 8.5% APR
Term: 24–36 months
Deposit: None required
Ownership: Return at end
Best for: Keeping tables and dryers current without a large upfront outlay

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
Electric Height-Adjustable Grooming Table	£400 – £800	Grooming Table
Hydraulic Grooming Table	£350 – £600	Grooming Table
Professional Dog Dryer	£130 – £500	Force/Cabinet Dryer
Equine Vacuum Grooming System	£2,000 – £6,000	Vacuum Grooming Machine (specification class)

Tax benefits

Grooming equipment usually qualifies for Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000. HP agreements allow capital allowances to be claimed by the business making the payments. Lease payments are generally deductible against profits as a business expense rather than qualifying for AIA directly.

Market context

Grooming equipment is bought by pet grooming salons, mobile groomers fitting out a van, and livery yards or equestrian centres investing in equine grooming and vacuum systems. Finance is used most by new and mobile groomers, who need tables, dryers, clippers and often a bath system all at once before the business has generated any income, making a single finance agreement more manageable than several separate purchases. Replacement is generally driven by wear and hygiene rather than the equipment failing outright: dryers and clippers see heavy daily use and tables take a battering from claws and repeated washing down. The used market for basic tables and dryers is reasonably active among smaller operators, though vacuum grooming systems for horses are more specialist and tend to be bought new.

Frequently asked questions

Can I finance a full salon fit-out in one agreement?

Yes. Most lenders will finance tables, dryers, clippers, a bathing system and storage as a single package, provided it's all on one supplier quote or invoice. This is the most common way new grooming businesses get started, since it avoids having several small finance agreements running at once and simplifies the monthly outgoings to a single payment while the business is still building its client base.

Is mobile grooming van equipment financed differently to a fixed salon?

The equipment inside the van, the table, dryer, bath and clippers, is financed in the same way as salon equipment. The van itself is usually a separate finance agreement, often vehicle finance rather than equipment finance, since it's assessed against different criteria including mileage and depreciation. Some lenders can arrange both together, but it's worth asking upfront whether that's the case with the one you're applying to.

What deposit is typical for grooming equipment finance?

Hire purchase deposits are usually 10–20%, with finance leases often needing none. New groomers without trading history sometimes face a slightly higher deposit request or a personal guarantee, since individual items like tables and dryers have a fairly low resale value on their own. Established salons adding a second table or upgrading a dryer typically get more flexible terms based on their trading record.

Can I finance an equine vacuum grooming system for a livery yard?

Yes, though because these systems are a more specialist and higher-value purchase than salon equipment, lenders will look more closely at the yard's trading history and the supplier's reputation. It's worth getting a written specification from the supplier covering installation and any electrical work needed, since a clear quote makes the application faster and helps the lender value the equipment correctly if it needs to be assessed as security.