Lendus.

Medical Imaging Finance

Spread the cost of medical imaging equipment from £10,000 to £600,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a medical imaging?

Yes, medical imagings 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 £10,000 to £600,000, 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.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£10k – £600k

Approval Speed

24–48 hours

Larger deals take one to two weeks

Rates From

4.9% APR

What would a medical imaging cost per month?

£90,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical medical imaging price. Indicative only, not a quote.

Compare medical imaging finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Private clinics and imaging centres wanting to own 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
Providers keeping pace with imaging technology upgrades

Representative example

On a purchase price of £90,000: a 10% deposit of £9,000, then 48 monthly payments of £1,899 at 5.9% APR representative (fixed). Total amount payable £100,152, 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
Mobile digital X-ray system £30,000 – £70,000 General Radiography
GE or Philips ultrasound platform £25,000 – £90,000 Diagnostic Ultrasound
Refurbished 1.5T MRI system £150,000 – £350,000 MRI
Multi-slice CT system £100,000 – £450,000 CT

Ready to compare medical imaging finance? 2 minutes, no credit check.

Check Eligibility

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

Medical imaging spans everything from a mobile X-ray unit costing tens of thousands of pounds to a full MRI or CT installation running into hundreds of thousands, so the typical buyer varies from a private GP or physiotherapy clinic adding basic radiography to a diagnostic imaging centre installing cross-sectional equipment. Refurbished MRI and CT systems are a well-established route into cross-sectional imaging, since the equipment has a long working life and manufacturer-certified refurbished units cost substantially less than new while carrying a warranty. Because imaging installations often require room shielding, planning permission and a fitted environment, many buyers finance the equipment and the room fit-out as connected but separate agreements.

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.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

Can refurbished MRI or CT equipment be financed?
Yes. Refurbished MRI and CT systems from manufacturer-certified refurbishers are a well-established and lower-cost route into cross-sectional imaging, and most specialist healthcare lenders will finance them provided the refurbisher and installation are documented. Lenders generally price refurbished imaging slightly differently to new due to the shorter expected remaining service life. Lenders will usually ask for evidence of the refurbisher's certification and any warranty offered before approving, since this affects both the risk on the deal and the equipment's likely residual value over the finance term.
Does finance cover the room shielding and building work?
Typically no. Equipment finance covers the imaging hardware itself. Room shielding, structural work and installation are usually quoted and, in some cases, financed separately, though some lenders will consider a combined package if the figures are clear from the outset. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
What regulatory requirements apply to medical imaging equipment?
Medical imaging devices sold in the UK must carry UKCA or CE marking, and any installation involving ionising radiation requires a radiation protection adviser and appropriate registration. This sits with the equipment supplier and installer as part of setting the equipment up; finance is a separate, purely commercial process covering the purchase cost. 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.
How long does approval take for large imaging deals?
Smaller imaging purchases, mobile X-ray or ultrasound, are often approved within 24–48 hours. Larger MRI or CT installations typically take longer, often one to two weeks, as the lender reviews trading history, projected utilisation and, for higher-value deals, may require security. 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.
Do I need to be CQC registered to finance imaging equipment?
For equipment used to deliver regulated clinical services, most lenders expect to see CQC registration or the equivalent regulatory status for the setting. Non-clinical or research-only imaging use doesn't carry the same expectation, but check with the lender at enquiry stage. 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.

Related equipment finance

More healthcare finance

See how lenders treat healthcare assets

Guides and resources

Ready to finance your medical imaging?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check