Pressure Care Mattress Finance

Spread the cost of pressure care mattresses from £600 to £5,500 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a pressure care mattress?

Yes, pressure care mattresss 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 £600 to £5,500, and most deals are written over 12–36 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

£600 – £6k

Approval Speed

24–48 hours

Same-day for most orders

Rates From

4.5% APR

What would a pressure care mattress cost per month?

Pressure Care Mattress price (ex VAT) £1,800

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

Pre-filled with a typical pressure care mattress price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 4.9% APR
Term: 12–36 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Care homes wanting to own mattress stock outright

Finance Lease

Rate: From 4.5% APR
Term: 12–36 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: 12–24 months
Deposit: None required
Ownership: Return at end
Best for: Rotate mattress stock in line with resident acuity

Representative example

On a purchase price of £1,800: a 10% deposit of £180, then 48 monthly payments of £38 at 5.9% APR representative (fixed). Total amount payable £2,004, 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
Foam Pressure Redistribution Mattress (low-risk class)	£600 – £1,200	Foam Mattress
Alternating Air Mattress with Pump (medium-risk class)	£1,200 – £2,200	Alternating Air Mattress
Hybrid Foam and Air Mattress (high-risk class)	£2,000 – £3,500	Hybrid Mattress
Bariatric Pressure Care Mattress (heavy-duty class)	£2,800 – £5,500	Bariatric Mattress

Tax benefits

Pressure care mattresses are moveable equipment and generally qualify for the Annual Investment Allowance (AIA), letting a care provider deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, subject to the normal AIA rules. HP gives access to capital allowances directly; lease payments are normally deductible from profits as a business expense. Because a mattress has a shorter working life than most other care equipment, some providers choose to expense lower-cost items directly rather than claim capital allowances, an accountant can advise which route suits a given batch of purchases.

Market context

Pressure care mattresses are bought by care homes and nursing homes registered with the Care Quality Commission in England, or the equivalent regulator elsewhere in the UK, and the mattress specification is normally set by a resident's assessed pressure ulcer risk rather than chosen freely by the home. A resident assessed as higher risk is moved onto a higher specification alternating air or hybrid mattress, so a home typically holds a mix of specifications across its beds rather than a single standard mattress type. Replacement is driven mainly by the condition of the cover and foam or air cells, and by infection control requirements between residents, rather than a fixed age, and because of hygiene requirements a used market for this equipment is very limited.

Frequently asked questions

Can I finance a mixed batch of mattress specifications?

Yes. Lenders finance a mixed order covering foam, alternating air and bariatric mattresses under a single agreement, which suits a care home stocking mattresses to match a range of resident pressure ulcer risk levels rather than a single specification. This is more efficient than arranging separate finance per mattress type. This is usually more straightforward to administer than arranging several separate agreements, and a broker can advise on the best way to structure a larger combined order.

What deposit do I need?

For hire purchase, most lenders ask for a 10-20% deposit. Finance leases and operating leases often require no deposit, which helps a home responding quickly to a resident's changing pressure care need rather than a planned budget item. A larger deposit reduces the monthly payment across a larger batch order. A larger deposit is worth considering if you would rather keep monthly payments as low as possible, though most buyers in this sector choose a smaller deposit to preserve working capital.

Is a rental or short-term hire option available instead?

Some suppliers offer short-term hire for pressure care equipment needed for a specific resident for a limited period, which sits outside standard asset finance and is arranged directly with the equipment supplier. Asset finance through hire purchase or leasing is generally better suited to a home building or replacing its permanent mattress stock rather than covering a single resident's temporary need.

How quickly can mattress finance be approved?

Most applications are approved within 24-48 hours, and same-day approval is common given the relatively low unit cost of most mattresses. Because mattress need often changes quickly with a resident's condition, lenders working in the care sector are generally set up for fast turnaround on this type of equipment. Having your last set of accounts and a recent bank statement ready before applying is the easiest way to avoid the process taking longer than it needs to.