Spread the cost of a mortuary refrigeration from £3,000 to £100,000+ with flexible finance options: HP, lease or refinance.
Yes, mortuary refrigerations 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 £3,000 to £100,000, and most deals are written over 24–84 months with a deposit of around 10–20%. Decisions typically take 48–72 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£3k – £100k
Approval Speed
48–72 hours
Same-day for < £20k
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical mortuary refrigeration price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £20,000: a 10% deposit of £2,000, then 48 monthly payments of £422 at 5.9% APR representative (fixed). Total amount payable £22,256, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Single-Body Mortuary Refrigerator | £3,000 – £8,000 | Single-Body Refrigeration Unit |
| Multi-Body Refrigerated Cabinet (4–6 body) | £15,000 – £35,000 | Multi-Body Refrigerated Cabinet |
| Large Multi-Body Cabinet (8–12 body) | £35,000 – £60,000 | High-Capacity Refrigerated Cabinet |
| Bespoke Mortuary Cold Room (walk-in) | £40,000 – £100,000+ | Mortuary Cold Room |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Mortuary refrigeration qualifies 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. Installation, including any building work to fit a bespoke cold room, is usually invoiced by the installer and can often sit on the same agreement if itemised on the quote.
Mortuary refrigeration is bought by funeral homes, hospital mortuaries and forensic facilities, either replacing an ageing cabinet or adding capacity as a business grows. A funeral director or mortuary manager finances refrigeration because these are long-life, made-to-order assets that need to be sized correctly from the outset, and a well-specified cabinet is expected to run continuously for decades rather than be swapped out on a short cycle. This makes refrigeration equipment the kind of long-life capital asset that lenders in this sector generally view favourably, since the equipment holds its usefulness for a very long service period. Because cabinets are largely made to order to fit a specific room and body capacity, there is little meaningful used market for this category, and most purchases are new equipment specified to the site.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.