Spread the cost of a commercial sauna installation from £8,000 to £60,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, commercial saunas 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 £60,000, and most deals are written over 24–60 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
£8k – £60k
Approval Speed
24–48 hours
Same-day for < £30k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical commercial sauna price. Indicative only, not a quote.
Compare commercial sauna finance rates from 200+ lenders
Check EligibilityOn 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 |
|---|---|---|
| 4–6 person cabin sauna, timber cabin and electric heater | £8,000 – £15,000 | Cabin sauna |
| 8–10 person commercial sauna suite | £15,000 – £30,000 | Commercial suite |
| Bespoke glass-fronted sauna with changing area | £25,000 – £50,000 | Bespoke suite |
| Combined steam room and sauna installation | £30,000 – £60,000 | Steam and sauna combo |
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Check EligibilityA prefabricated, demountable cabin sauna is generally treated as plant and machinery and qualifies for the Annual Investment Allowance up to £1,000,000 in the year of purchase, since it can be unbolted and removed intact. A bespoke suite built into the fabric of the building, with fixed walls, a changing area or a glass-fronted enclosure, is more likely to have its structural elements treated as part of the building, while the heater, benching and control system remain qualifying plant. Ask your accountant to apportion a bespoke build between structure and plant before claiming.
Commercial saunas are bought by gyms, spas, hotels and wellness centres, either as part of a new leisure fit-out or replacing a cabin that has reached the end of its working life. Finance is common because a well-specified commercial cabin or bespoke suite is a significant single purchase, and spreading the cost keeps working capital free for the rest of a spa or gym refit. A demountable timber cabin is a hard asset that a lender can value and, if needed, repossess and resell, so it is financed much like other gym equipment; a bespoke suite built into the walls and floor of a leased building is closer to an installed work, and a hotel or leisure operator leasing its premises should expect a lender to ask about landlord consent and the dilapidations position before funding it. Replacement is driven mainly by the heater and timber cladding wearing out under sustained heat and moisture rather than by the sauna failing outright, and there is a reasonable used market for demountable cabins, though bespoke fixed suites have none.
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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