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Affordable and flexible finance solutions for laboratories across the UK. From centrifuges and microscopes to chromatography systems and safety equipment — Gable Asset Finance makes cutting-edge science accessible.
Laboratory equipment finance allows businesses, research organisations, universities, and healthcare providers to acquire essential laboratory tools without the burden of a large upfront purchase.
There are two main structures:
Both approaches preserve working capital, spread costs over the asset’s useful life, and often carry tax benefits. Financing can cover new, reconditioned, or used instruments and can be tailored with payment holidays, step-up repayments, or upgrade clauses to suit unique laboratory needs.
We provide tailored finance packages for a wide range of scientific and industrial laboratory equipment, including but not limited to:
| Finance Option | Key Features | Best Suited For |
|---|---|---|
| Hire Purchase (HP) | Deposit + fixed monthly payments; ownership transfers at the end. | Labs wanting long-term ownership of critical equipment. |
| Finance Lease | Use the asset for a fixed term with options to upgrade or extend. | Labs aiming for flexibility and access to the latest technology. |
| Operating Lease | Short- to medium-term equipment use, often including servicing. | Projects or institutions with temporary needs or rapid turnover of technology. |
| Refinancing | Unlock cash by financing equipment already owned by the lab. | Labs needing working capital or bridging funds for research projects. |
Finance structures are designed with tax efficiency in mind:
Laboratory equipment finance from Gable Asset Finance is widely used in:
A UK university required new chromatography and molecular biology systems worth £300,000 to expand its biochemistry department. Gable Asset Finance arranged a finance lease with upgrade flexibility, ensuring the institution could stay current with fast-evolving research tools.
A growing private laboratory needed centrifuges, incubators, and hygiene monitoring systems. Through hire purchase with staged payments, the lab acquired assets worth £120,000 while preserving liquidity for recruitment and training.
A dairy testing business required drying cabinets, mixers, and safety equipment. Gable structured a seasonal repayment plan aligned with the company’s peak testing periods, easing financial pressure while upgrading operations.
Yes — Gable Asset Finance can arrange funding for new, refurbished, or used laboratory equipment subject to valuation and approval.
Deposits vary by agreement, but many start at around 10% for hire purchase. Leasing options may require little or no deposit.
In most cases, yes — operating lease payments are considered business expenses, reducing taxable profits.
Many finance leases allow early upgrades, ensuring your lab is never held back by outdated equipment.
We can arrange finance from as little as £5,000 for small equipment to several million pounds for full laboratory refits.
At Gable Asset Finance, we understand that science and research move quickly. We provide finance solutions that help laboratories acquire the tools they need while preserving cash flow and ensuring financial sustainability. Whether you’re a hospital, a university, a biotech startup, or an environmental testing lab, we can arrange flexible, competitive finance packages tailored to you.
Gable Asset Finance can arrange business finance and leasing solutions for all all equipment and machinery required for Laboratory use.
We can finance new, reconditioned and used capital laboratory equipment such as Laboratory Autoclaves, Biological Safety Cabinets, Centrifuges, Incubators, Microplate Washers and Readers, Shakers and Incubator Shakers and many more.
We can arrange business finance and leasing solutions on a broad range of new and used laboratory equipment such
We can arrange business finance and leasing on new, reconditioned and used equipment from brands such as:
Gable Asset Finance is a UK based business finance and leasing company arranging business finance and leasing solutions such as centrifuges,microfuges, scientific & laboratory equipment to research, clinical, academic and manufacturing professionals in the UK.