Spread the cost of optometry equipment from £5,000 to £80,000 with flexible finance options. HP, lease, or refinance
Yes, optometry 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 £5,000 to £80,000, 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.
Typical Cost
£5k – £80k
Approval Speed
24–48 hours
Full fit-outs take slightly longer
Rates From
4.9% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical optometry equipment 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 £30,000: a 10% deposit of £3,000, then 48 monthly payments of £633 at 5.9% APR representative (fixed). Total amount payable £33,384, 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 |
|---|---|---|
| Phoropter and slit lamp package | £5,000 – £12,000 | Refraction Suite |
| Topcon or Nidek auto refractor/keratometer | £8,000 – £18,000 | Auto Refractor |
| OCT (optical coherence tomography) scanner | £25,000 – £55,000 | OCT Scanner |
| Full test room fit-out (refraction, OCT, retinal imaging) | £45,000 – £80,000 | Full Test Room |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
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.
Optometry equipment finance covers a wide range, from a basic refraction suite (phoropter and slit lamp) for an independent optician's first test room, to a full OCT scanner for practices offering enhanced eye health screening. OCT and retinal imaging technology has become a significant differentiator between practices, and many independents finance an OCT scanner specifically to compete with larger multiples on eye health services, while auto refractors and basic test room equipment tend to be replaced on a longer cycle.
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.
See how lenders treat healthcare assets
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.