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Liquid Chromatograph Finance

Spread the cost of HPLC and UPLC systems from £15,000 to £150,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a liquid chromatograph?

Yes, liquid chromatographs 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 £15,000 to £150,000, and most deals are written over 24–72 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

£15k – £150k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

4.5% APR

What would a liquid chromatograph cost per month?

£55,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical liquid chromatograph price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Labs wanting to own the instrument outright

Finance Lease

Rate
From 4.5% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim the full lease payment against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Off balance sheet, move to UPLC when the workload justifies it

Representative example

On a purchase price of £55,000: a 10% deposit of £5,500, then 48 monthly payments of £1,160 at 5.9% APR representative (fixed). Total amount payable £61,180, 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
Shimadzu/Agilent-class Isocratic HPLC System (spec class) £15,000 – £30,000 Isocratic HPLC System
Waters/Agilent-class Quaternary HPLC with PDA Detector (spec class) £35,000 – £65,000 Quaternary HPLC with PDA Detector
Waters-class UPLC/UHPLC System (spec class) £60,000 – £110,000 UPLC/UHPLC System
Reconditioned HPLC System (spec class) £12,000 – £30,000 Reconditioned HPLC System

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Tax benefits

Liquid chromatographs qualify for Annual Investment Allowance (AIA), meaning you can deduct the full cost from taxable profits in year one, up to £1,000,000. For HP agreements, you claim capital allowances on the instrument. For leases, you typically deduct the full lease payment from profits.

Market context

Liquid chromatographs are bought by pharmaceutical QC and analytical development labs, contract research organisations, food and environmental testing labs and university spinout businesses, and are among the most widely used analytical instruments in any lab handling non-volatile compounds. Many buyers, particularly contract research and food testing businesses, are funded by client contracts or grant cycles rather than open-ended trading, and lenders match finance terms to that funding pattern rather than to the instrument's full technical life. Columns, mobile phase solvents, seals and an annual service contract are ongoing costs that, over a typical ten-year instrument life, commonly add up to more than the original purchase price. A large and well-established market in reconditioned and certified pre-owned HPLC systems from specialist resellers gives smaller labs and start-ups a realistic entry point.

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

Is a reconditioned HPLC system a sensible option to finance?
Yes, reconditioned HPLC and UPLC systems from an established specialist reseller are a large and legitimate part of the market, usually supplied with a warranty and installation qualification. Most lenders finance them on similar terms to new equipment, making this a genuine way to get lab-grade chromatography without new-instrument pricing. Ask for the reconditioning report covering pump, detector and autosampler checks, since this is usually the key document a lender wants to see before approving finance on a used system.
Do lenders look at my lab's contract length before approving finance?
Yes, particularly for contract research, food testing or environmental testing businesses whose income depends on client contracts or grant funding rather than steady trading. A lender will typically ask about contract terms and renewal history and set the finance term to reflect a realistic view of continued income rather than the instrument's full useful life. Summarising your main contracts, including value and renewal dates, in a single document at application stage tends to speed up the underwriting decision.
Should HPLC consumables and columns be included in the finance?
Routine consumables like columns, solvents and seals are usually purchased separately as running costs rather than financed, but some lenders will include an initial service and maintenance contract in the agreement if you ask. Given how much these ongoing costs add up over the instrument's life, it's worth budgeting for them separately from the finance payment. Treating consumables as a monthly running cost alongside the finance payment gives a more accurate picture of the instrument's true cost to the lab.
How quickly can liquid chromatograph finance be arranged?
Straightforward applications under £75,000 from an established lab are typically approved within 24–48 hours. Higher-value UPLC systems, or applications from newer contract research or university spinout businesses, may take a few working days while contract and funding evidence is reviewed. Having your grant award letter or key client contracts to hand at application stage helps keep things moving. Applications for a lab's very first HPLC system sometimes take a little longer as the lender gets comfortable with a new relationship.

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