^Equipment Finance for Fertility Clinics – Get Financing Today

With hire purchase for clinical equipment, repayment terms typically run from 24 to 84 months, depending on the useful life and value of the asset. Typical deal sizes can range from £25,000 to £500,000, from single machines to larger lab systems. Lenders usually look for evidence the clinic can meet monthly repayments, plus make and model details, delivery timing and the expected useful life. Insurance arrangements are commonly required, and decision times are often around 5 to 15 working days for well evidenced applications.

For asset-backed equipment leasing, typical amounts are £20,000 to £400,000. Lease terms are commonly 36 to 72 months, with pricing often expressed as a total cost of finance or rental profile rather than a single interest rate. Lenders assess affordability and also the equipment’s residual value assumptions. They may also require acceptable insurance and maintenance arrangements, which is particularly important for complex medical and lab kit. Decision times are often around 7 to 20 working days, depending on the equipment valuation and residual checks.

Refinance and upgrade support typically falls within £15,000 to £300,000, depending on residual or valuation and the total upgrade scope. Terms are often 24 to 60 months, aligned with the upgrade cycle and expected remaining asset life. Pricing depends on factors such as whether an existing arrangement is cleared and the strength of the new asset package. Lenders may review settlement and may take around 10 to 25 working days, particularly if they need extra information for valuations or fit checks during the transition.