Lendus.

Pool Table Finance

Spread the cost of a pool table from £1,500 to £7,000+ with flexible finance options. HP, lease, or refinance; compare rates from 40+ lenders.

Can you finance a pool table?

Yes, pool 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 £1,500 to £7,000, and most deals are written over 12–48 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

£2k – £7k

Approval Speed

24–48 hours

Same-day for < £10k

Rates From

8.0% APR

What would a pool table cost per month?

£3,500
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 8.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Pool Table buyers wanting to own it outright

Finance Lease

Rate
From 8.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient; claim 100% of payments against profit

Operating Lease

Rate
From 8.8% APR
Term
24–48 months
Deposit
1–3 rentals in advance
Ownership
Return at end
Best for
Upgrade pool table regularly. Off balance sheet.

Representative example

On a purchase price of £3,500: a 10% deposit of £350, then 48 monthly payments of £74 at 5.9% APR representative (fixed). Total amount payable £3,902, 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
Standard coin-operated pub pool table £1,500 – £3,000 Coin-Operated Pool Table
Slate-bed competition pool table £3,000 – £5,000 Slate-Bed Pool Table
Premium American-style pool table £5,000 – £7,000 Premium Pool Table

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Tax benefits

Pool tables qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible against profit. Where a table is supplied and financed by an operator on a revenue-share basis, it is the operator rather than the venue who owns the asset and claims the allowance.

Market context

Pool tables in pubs and clubs are usually placed by a specialist operator on a revenue-share basis rather than bought outright by the venue, with the operator owning, maintaining, and financing the table and splitting the coin or card takings with the pub. This distinction decides who is actually the borrower in most cases: it is the operator financing a table, or more often a run of tables across several venues, rather than the licensee or pub company, and a lender needs to understand which side of that arrangement the applicant sits on before assessing an application. A venue that does buy a table outright, rather than hosting an operator's machine, is treated as an ordinary small equipment purchase. Tables are generally durable and hold value well when properly maintained, with cloth, cushions, and the coin mechanism the parts most often serviced or replaced over a table's working life.

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

Who finances a pool table, the pub or the operator who places it?
In most cases it is the operator, not the pub. Pool tables in pubs and clubs are commonly placed by a specialist leisure equipment operator on a revenue-share basis, where the operator owns and maintains the table and splits the takings with the venue. If you are the pub or club rather than the operator, check which arrangement you actually have before assuming you need to finance the table yourself, since many venues host tables without ever owning one.
Can an operator finance a run of tables across several venues on one agreement?
Yes, this is a common and often more efficient structure than financing each table separately, particularly for an operator adding several venues at once or refreshing an existing estate. Financing a batch of tables together against a combined supplier invoice generally secures a better rate than several small separate agreements and lets the lender assess the overall relationship and revenue-share income across the whole run of sites.
What if the pub closes or the site agreement with the operator ends?
This is one of the more important practical questions for an operator financing tables, since the income depends on the site agreement continuing, not just on the table itself. Most finance agreements continue regardless of what happens to any individual site, so an operator with tables across several venues is generally in a stronger position than one relying on a single pub, and lenders will often ask about the spread of sites for exactly this reason.
Can a pub buy a pool table outright rather than hosting an operator's machine?
Yes, and in that case it is financed like any other piece of leisure equipment for the venue, without the revenue-share structure that applies to an operator-placed table. This suits a pub that wants to keep all the income from the table itself rather than sharing it, though it also means the pub is responsible for maintenance, cloth replacement, and any repairs that an operator would otherwise handle as part of the placement arrangement.
Is a used or reconditioned pool table easy to finance?
Yes, reasonably so, since a slate-bed table is a durable asset with a well understood secondhand market, particularly among operators refreshing an estate of machines. Lenders will want to know the condition of the cloth, cushions, and coin mechanism, since these are the parts most likely to need attention, and a recent recover or service record helps an application move more smoothly.
What term length is typical for pool table finance?
Terms of 12 to 48 months are typical, reflecting how a well-maintained table remains fully serviceable for many years but cloth and cushions need periodic replacement regardless of the finance term chosen. An operator managing a larger estate may prefer a longer term to keep monthly costs down across many tables, while a single-venue purchase often suits a shorter term.

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