Electric treatment couches and the equipment around them, funded across a term instead of landing on the business in a single month.
Whole-of-market — 60+ lenders searched, including
Yes, though a couch on its own is usually too small to interest a funder. Electric and hydraulic treatment couches are soft assets with limited resale value, so they are typically financed as part of a treatment room package alongside lamps, stools, trolleys and steamers. Hire purchase is the usual route. Used couches from trade suppliers are fundable. What surprises applicants is that the strength of the case comes almost entirely from the clinic’s trading record and the director’s credit position, because no funder plans to recover a used treatment couch from a first floor room.
Used kit: Yes, used treatment couches are fundable from trade dealers, but only as part of a larger package — a single second-hand couch will not meet minimum advance levels.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Treatment couches are a textbook soft asset. A three-year-old electric couch has a modest second-hand market among therapists but almost no value to a funder, who would face collection, storage and resale costs well beyond what it would realise. So the decision rests on covenant: filed accounts, bank conduct, time trading and a personal guarantee. Two further points matter in this sector. First, therapists often operate from a room inside someone else’s building, which means the funder has no clear premises to point to — that weakens a file. Second, where a couch is being bought with aesthetic devices, the device usually drives the funder choice and the couch simply rides along on the same schedule.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Gharieni MLX Quartz couch | Heated quartz spa treatment table |
| Gharieni MLW Spa couch | Electric multifunction spa couch |
| Lemi 4 treatment couch | Electric multifunction beauty couch |
| Lemi Spa Dream couch | Wet and dry spa treatment couch |
| REM treatment couches | British-built electric beauty couch |
| Nilo treatment couches | Italian beauty and massage couch |
| Silhouet-Tone treatment tables | Clinic grade treatment tables |
| Ecopostural electric couches | Height adjustable therapy couch |
| Affinity portable massage couch | Portable therapy and massage couch |
| Gharieni Welnamis wellness bed | Sound and vibration wellness bed |
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Most often a beauty therapist moving from mobile or rented-room work into their own premises, or an established clinic opening a second treatment room because the diary is full. Chiropractors, sports therapists and podiatry practices buy the same couches for different reasons. The trigger is usually a new room becoming available or an old manual couch failing a practitioner’s back.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
It is harder. Funders like to see a business with its own premises and a lease, because a room licence can end at short notice and the asset then has no fixed home. It is not automatically declined, particularly with good personal credit and a track record, but expect more scrutiny and a smaller pool of funders.
Yes, and that is the normal approach. A combined schedule reaches a workable advance and gives the funder a device with some resale value sitting alongside the soft items. The device will generally determine which funder is appropriate, since machine appetite varies far more than couch appetite does.
Yes. Any agreement will require the goods to be insured for their full value with the funder noted as an interested party. For a treatment room this normally sits inside an existing contents policy, and your insurer can add the interest on request. Funders often ask for evidence before releasing funds.
For most therapists, hire purchase is simpler because the couch is kept for a long working life and ownership matters. Leasing can suit businesses that refresh rooms frequently or want the equipment kept off the balance sheet, subject to their accountant’s advice. The right answer depends on the business, not the asset.
There is no fixed cut-off, but files improve sharply once there is a filed set of accounts and six to twelve months of consistent banking. Before that, the application leans on the director personally. Being upfront about how long you have been trading lets us go to the right funders first.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
A decline from one lender reflects that lender’s appetite, not the whole market’s.