Why specialist finance matters for sunbed & tanning businesses

Opening or expanding a sunbed and tanning salon requires capital for high-value equipment, fit-out, seating and reception systems, plus working capital and marketing. Specialist asset finance lets you acquire premium tanning beds and salon fit-out without large upfront cash payments. It preserves working capital, improves cashflow and enables you to scale or upgrade as your business grows.

Whether you are a new start-up setting up a single salon, an experienced operator opening multiple branches, or a mobile tanning business adding premium beds, the right finance structure reduces risk and keeps your business operational while you build

• Types of finance for tanning salons in the UK: Loans, Hire Purchase (HP), Finance Lease, Operating Lease, asset refinancing
• How to finance new and used tanning beds (Hapro Luxura, Ergoline, Megasun)
• Reconditioned tanning beds: refurbishment process and warranty support
• Eligibility, documentation and the application process for UK businesses
• Tax, VAT and accounting considerations for asset finance
• How to choose the right funding option for start-ups and established salons
• Practical checklist and frequently asked questions

Types of asset finance available in the UK for tanning salons

Business loans (secured & unsecured)

Business loans are a common way to purchase equipment outright. Loans can be secured against business assets or unsecured (subject to higher rates and stricter credit requirements). For tanning salons, equipment loans let you buy tanning beds, dispatch payment to suppliers, and immediately record the asset as owned on the balance sheet.

Pros: You own the asset from day one; predictable repayments; potential capital allowances for tax relief. Cons: May require security, higher credit standard for unsecured loans; larger initial capital requirement when VAT and deposits are included.

Hire Purchase (HP)

Hire Purchase is widely used by salons. The finance provider buys the tanning bed and hires it to you. You make fixed monthly payments and, when the agreement ends and any final payment (if applicable) is made, you own the equipment. HP is popular because it aligns well with growth plans: predictable payments and a clear ownership path.

Pros: Path to ownership, fixed payments, possible to include installation costs. Cons: The asset may appear on your balance sheet (depending on accounting), and you may be liable for maintenance unless otherwise agreed.

Finance Lease

A finance lease is similar to HP in that the lease covers most of the asset’s useful economic life. You make payments to use the equipment; the finance company retains legal ownership while you effectively treat it as your asset for operational use. At term end there is usually an option to purchase the equipment for a pre-agreed sum.

Pros: Access to new and used premium equipment with lower upfront cash outlay. Cons: Long-term commitment; potential VAT and accounting consequences to weigh with your accountant.

Operating Lease (rental)

An operating lease is effectively a rental agreement where the lessor retains ownership and responsibility for the asset at end of lease. This is ideal if you want to keep equipment off your balance sheet and prefer to upgrade frequently — for example, if you operate mobile sunbed services or want the latest model for competitive advantage.

Pros: Preserves capital, flexible upgrade options, often includes maintenance. Cons: You never own the asset unless there is a separate purchase option; over long terms this can be more costly than purchase.

Refurbishment & Reconditioned Equipment Finance

Specialist financiers will provide funding for reconditioned tanning beds that have been refurbished to a high standard and come with a warranty. This can be the most cost-effective approach for new start-ups and operators who want premium capability at lower cost. Lenders may apply different residual value assumptions to reconditioned equipment so terms vary.

VAT financing & VAT deferral

VAT can be a significant upfront cost when purchasing new equipment. Some finance packages let you spread the VAT across payments (subject to lender terms), which helps manage early cashflow. Speak to a specialist to understand VAT recovery (VAT-registered businesses can often reclaim VAT on purchases) and how financing interacts with VAT claims.

Finance available for new, used and all makes/models of premium tanning beds

Finance is available for a wide range of tanning beds — both brand new and used — with lenders comfortable funding premium models and established brands. This includes, but is not limited to:

• Hapro Luxura — known for high-quality build and comfort-focused designs.
• Ergoline — industry-leading technology, popular with high-end salons.
• Megasun — value-driven premium models with solid performance.
• Other makes and bespoke or less common models — specialist lenders will typically assess the asset’s condition, market demand and expected residual value.

Finance underwriters usually require either manufacturer documentation, supplier invoices or service history for used units. For very used or obscure beds, underwriters may request an independent valuation or a refurbishment plan before lending.

Reconditioned tanning beds — quality, refurbishment and warranty

Reconditioned tanning beds are a popular option for start-ups or cost-conscious salon owners. A thorough refurbishment process typically includes:

1. Complete mechanical and electrical inspection and repair by certified technicians.
2. Replacement of worn lamps, starters and ballasts where necessary.
3. Cosmetic refurbishment: new upholstery, surfacing and protective coatings.
4. Software updates for digital control systems and safety checks to meet UK electrical standards.
5. Full testing and quality assurance before release back to market.

Reconditioned units offered with a warranty (typically ranging from 3 months to 12 months or longer, depending on the seller) offer a balance of affordability and reassurance. Many finance packages will cover reconditioned beds, but the lender will check the refurbishment documentation and warranty terms.

How to choose between Loans, HP and Leasing for your sunbed salon

Choosing the right product depends on your business goals, tax position and cashflow. Here are practical decision criteria:

Choose a business loan or HP if:

• You intend to own the tanning beds long-term.
• You want to claim capital allowances and treat the asset as a fixed asset.
• You prefer fixed instalments to build equity and prove asset ownership.

Choose a finance lease or operating lease if:

• You expect to upgrade equipment frequently (new lamp technologies, digital controls).
• You prefer lower upfront costs and want the option for maintenance bundles.
• You want the asset off the balance sheet (operating lease) for specific reporting goals.

Small and new businesses often prefer HP or lease options to preserve cash. Established salons with stable revenue streams may invest via loans to benefit from ownership and tax relief.

Eligibility, required documents and lender criteria (UK)

While specific lender requirements vary, most finance applications for tanning salon equipment will request:

• Business registration details (Company/LLP number or sole trader details).
• Trading history — many lenders accept 12+ months trading, though specialist funders consider start-ups with good business plans, supplier contracts ordirectors guarantees.
• Latest management accounts (3–12 months) and, where applicable, historic accounts.
• Supplier quotation or proforma invoice for the tanning bed(s) and fit-out costs.
• Evidence of deposit funds if a deposit is required.

Specialist lenders supporting the leisure and beauty sectors will also value service history, parts availability for certain models, and resale markets to determine residual values for lease/HV pricing.

Typical finance terms & examples (illustrative)

Below are illustrative examples to give an idea of structure. These are not quotes — actual terms depend on credit, lender and asset.

Tax, VAT and accounting considerations for UK salons

Tax and accounting treatment can materially affect the net cost of finance. The following are high-level points — please consult your accountant for tailored advice.

Capital allowances and HP/loans

When you buy equipment outright or via Hire Purchase, you can usually claim capital allowances. Annual Investment Allowance (AIA) can often be applied to plant and machinery purchases, allowing immediate tax relief up to the AIA limit for the accounting period.

VAT treatment

VAT-registered businesses generally recover VAT on purchases of commercial tanning beds. For leasing, VAT may be payable on each lease payment. Some finance packages allow the VAT element to be spread over the term — this can help cashflow but will increase the overall financed amount.

Leases and balance sheet

Under current accounting standards, many leases must be recognised on the balance sheet as right-of-use assets and lease liabilities. This is less likely to apply to short-term leases. Discuss with your accountant how each finance type affects reporting and covenants.

Maintenance, warranties and operating costs

When comparing finance, include maintenance and warranty costs in your total cost calculation. Some leases include maintenance packages which remove unexpected repair bills — this predictability can be especially valuable for new businesses.

Practical steps to prepare a successful finance application

Prepare the following to speed up approvals and secure competitive terms:

1. Detailed supplier quotation with equipment make/model, serial numbers (if used), and installation costs.
2. Business plan for start-ups — showing projected revenue, pricing per session, customer acquisition strategy and cashflow forecasts.

Being organised reduces lender questions and speeds the drawdown process so that your supplier can deliver on schedule.

Why choose reconditioned tanning beds?

Reconditioned tanning beds are refurbished to a high standard and typically offer:

• Lower upfront cost compared to new equipment
• Shorter lead times (often available immediately)
• Environmental benefits through reuse
• Suitable warranty and parts support (when sold by reputable suppliers)

For new start-ups or businesses testing new locations, reconditioned units provide an affordable route to offering premium experiences. Finance options for refurbished beds are readily available — lenders will consider the refurbishment evidence and warranty when assessing the asset.

Maintenance, parts and aftercare — impact on finance

Maintenance reduces downtime and ensures equipment retains residual value. When evaluating finance offers, clarify:

• Who is responsible for maintenance during the contract?
• Are maintenance packages included in lease payments?
• What parts support exists for older models?
• How do repairs affect warranty and finance obligations?

Some finance products bundle maintenance so you pay one monthly fee for use and upkeep — attractive for start-ups who prefer predictable monthly costs.

Common questions from new start and established salon owners

Can a new start-up get finance for tanning beds?

Yes. Many lenders specialise in start-up finance when the business plan is strong, the owner has relevant industry experience or when there are confirmed supplier contracts. Start-ups may face higher rates or require a director guarantee, but options exist.

Are warranties available on reconditioned tanning beds?

Reputable reconditioned bed suppliers provide warranties (commonly 3–12 months or more depending on the refurbishment level and seller). Finance providers usually accept these warranties as part of their underwriting process.

Can I finance both equipment and salon fit-out?

Yes. Asset finance can include tanning beds, reception and furniture, air-conditioning, electrical work linked to equipment installation, and sometimes software systems. Ensure the supplier quotes clearly separate equipment and installation costs for accurate financing.

Do lenders finance multiple branches or fleets?

Yes. Lenders frequently support rollouts and multiple-location financing. They often structure facilities to support staged procurement and include options for refinancing as you scale.

Checklist before you finance a tanning bed

• Confirm the make & model and request full technical specs (Hapro Luxura, Ergoline, Megasun, etc.).
• Obtain detailed supplier quotation including VAT and installation.
• Ask about warranty terms for new or reconditioned units.
• Check lead times and delivery schedules against your opening plan.
• Decide whether you prefer ownership (loan/HP) or flexibility (lease).
• Talk to your accountant about tax and capital allowances.
• Ensure you have appropriate insurance quotes that satisfy lender conditions.

Case studies — illustrative funding outcomes

Case study 1: New start salon opens with 2 reconditioned premium beds

A start-up owner chose two reconditioned premium beds refurbished with new lamps and upholstery. Using Hire Purchase with a 36-month term and a small deposit, the owner kept working capital for launch marketing and staff training. The finance included a maintenance extension, which reduced downtime in the first year.

Case study 2: Established salon upgrades fleet to Hapro Luxura

An established salon replaced three aging beds with new Hapro Luxura models via a finance lease with an upgrade clause. The lease included VAT handling and an optional maintenance package. The monthly cost was offset by higher premium session pricing and a measurable increase in customer retention.

Case study 3: Mobile tanning operator finances a fleet

A mobile operator scaled from one to five mobile units using asset refinancing on an existing bed and top-up finance for additional units. A combination of HP and operating leases allowed ownership of older units while leasing the newest models for seasonal peak demand.

Frequently asked questions

1. Can I finance a used tanning bed?

Yes. Lenders commonly finance used equipment provided it meets safety standards, has been serviced, and (ideally) comes with a refurbishment certificate or warranty.

2. What brands can be financed?

Finance is available for all major premium brands such as Hapro Luxura, Ergoline and Megasun, as well as other reputable manufacturers. Lenders assess the value and parts marketability when underwriting.

3. Do I need to be VAT registered to claim VAT back?

VAT recovery on equipment purchases requires VAT registration. If you are not VAT registered, you cannot reclaim VAT; however, some finance products can spread the VAT over payments to help cashflow.

4. How soon can I get approval?

Credit decisions vary. Well-prepared applications for established businesses can receive approvals in a few working days; start-ups may take a little longer depending on the level of underwriting required.

5. Will a lender require personal guarantees?

Some lenders ask for director or owner guarantees, especially for start-ups or smaller operators with limited trading history. Specialist lenders may offer facilities with limited or no personal guarantees depending on the deal structure.

Common pitfalls to avoid

• Not allowing for VAT in your total project budget.
• Choosing the wrong finance type (e.g., leasing when you intend to own long-term).
• Buying the wrong sized or incompatible bed for your salon layout and local regulations.
• Neglecting maintenance packages — repairs can be expensive and cause downtime.
• Failing to check warranty terms for reconditioned units and what is excluded.

Consumer safety & regulatory considerations (UK)

Operating tanning beds in the UK is regulated. Ensure you comply with health and safety rules, signage, age restrictions and electrical safety standards. Financiers may request evidence of regulatory compliance as part of due diligence before approving finance.

Keep records of PAT testing, operator training, and age-verification processes. These records support safe operation and reduce lender and insurer concern about operational risk.

Why use a specialist finance broker for tanning equipment?

Gable Asset Finance understand the market for equipment, realistic residual values, refurbishment standards and brand reputations (e.g., Hapro Luxura, Ergoline, Megasun). Gable Asset Finance compare lenders to find competitive terms, structure deals around seasonal revenue, and coordinate with suppliers to ensure smooth delivery and installation.

Using a broker also saves time — they handle documentation, negotiate deposit levels and often secure maintenance bundles that high-street lenders may not offer.

Contact & next steps — get a tailored finance quote

If you run or plan to open a tanning salon in the UK and want to explore finance for tanning beds (new, used or reconditioned), salon fit-out or fleet expansion, we can help you compare loans, HP and lease options and arrange competitive quotes from specialist lenders.

Gable Asset Finance can arrange business finance and leasing all makes of Sunbeds from manufacturers such as Sunquest, Sunvision, KBL Megasun, Ergoline, Hapro and Tansun. We arrange business finance and leasing solutions  for commercial sunbeds, spray tan booths and tanning equipment to new and existing customers from the following sectors:-

• Salons
• Gyms,
• Hotels
• Retail outlets
• Health clubs

We can arrange business finance and leasing on sunbeds and tanning machines from manufacturers  such as:-

• MegaSun
• Hapro
• Ergoline
• UWE
• Alisun
• Sunquest
• Tansun
• Shadow
• Uvascan Contour
• Topaz
• Ultra Tan
• Tansun
• KBL Megasun

Gable Asset Finance offer business finance and leasing on both Vertical and Horizontal Commercial Tanning Sunbed units, from the World’s leading Commercial Sunbed manufacturers. Please call us today or apply online for a competitive quote.