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Operating Table Finance

Spread the cost of an operating table from £8,000 to £50,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a operating table?

Yes, operating 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 £8,000 to £50,000, 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.

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Typical Cost

£8k – £50k

Approval Speed

24–48 hours

Full theatre packages take longer

Rates From

4.9% APR

What would a operating table cost per month?

£20,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Surgical centres wanting to own the table 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 refreshing theatre equipment on a fixed cycle

Representative example

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.

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
Manual/hydraulic operating table £8,000 – £15,000 Basic Operating Table
Electric multi-position operating table £18,000 – £35,000 Electric Operating Table
Specialist orthopaedic/spinal operating table £30,000 – £50,000 Specialist Operating Table

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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

Operating tables are bought by day-surgery units, private hospitals and cosmetic surgery clinics either fitting out a new theatre or replacing a table that has reached the end of its serviceable life, typically financed as part of a wider theatre package alongside the anaesthetic machine, light and monitors. Specification, and therefore price, is driven mainly by the range of positions the table needs to support for the procedure types carried out, with specialist orthopaedic and spinal tables sitting at the top of the range.

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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

Can I finance an operating table as part of a full theatre fit-out?
Yes, this is the standard approach. Most theatre equipment purchases, table, light, anaesthetic machine and monitors, are financed as one agreement rather than separately, which simplifies the process for a new theatre build or refurbishment. 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 determines the price of an operating table?
Mainly the range of positioning it needs to support for your procedure mix. A basic manual table suits straightforward day-case procedures, while specialist orthopaedic or spinal tables with extended positioning capability cost considerably more. Get a written quote from your equipment supplier covering the exact specification you need before applying, since the finance amount and the terms offered are set against the confirmed purchase price rather than an estimate.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Specialist high-value tables may see lenders ask for a deposit depending on trading history. Putting down more than the minimum deposit lowers the monthly repayment and can support a better headline rate, which is worth weighing against keeping cash in the business for working capital instead.
How long does approval take?
Most standalone table purchases are approved within 24-48 hours. Full theatre packages combining several items may take a little longer while the lender reviews the complete project. 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.
Can I finance a used or refurbished operating table?
Yes, a refurbished operating table market exists through specialist medical equipment resellers, and most lenders will finance a refurbished table provided it comes with a warranty and has been serviced by a recognised supplier. 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.

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