Hotels, retreats & holiday stays
Create a bookable wellness experience, a private guest upgrade or a space that complements your accommodation.
KEICO · COMMERCIAL WELLNESS
Commercial finance for wellness spaces
A sauna guests can book. A recovery space members can return to. A wellness retreat built around your business. Explore the project, the repayments and the numbers behind it.
For UK business projects. Finance is subject to status and lender approval.
AN INVESTMENT IN YOUR BUSINESS
Start with the experience you want to offer.
From a single sauna to a complete hot and cold therapy suite, KeiCo helps define the equipment, layout and installation scope. Johnson Reed can then explore funding options for the agreed project.
Gyms, studios & recovery spaces
Plan a sauna, cold plunge or recovery area around your membership, supervision and daily operating needs.
Spas & new wellness ventures
Bring together saunas, salt rooms and bespoke spaces, with a specification suited to your business and site.
Your project with KeiCo. Finance through Johnson Reed.
An agreed repayment schedule can help you plan expenditure and retain working capital. The finance product, initial payment, fees, guarantees and any ownership arrangements depend on the lender’s offer. Tax treatment depends on your business and agreement; discuss it with your accountant.
About Johnson Reed wellness finance ↗01 / EXPLORE FINANCE
What could your monthly repayments look like?
Use the Johnson Reed calculator below to explore illustrative payments for £3,000–£100,000 over 24–60 months. Choose the trading-history option that applies to your business. For a tailored quotation, start with your project enquiry.
The calculator is supplied by Johnson Reed and hosted by Calconic. Its figures are illustrations, not an offer or approval. Confirm the VAT basis, fees, initial payments and the full cost with Johnson Reed before relying on a figure. If neither trading-history label describes your business, ask Johnson Reed which illustration to use.
Open the finance calculator in a separate tab ↗
Johnson Reed Ltd is a credit broker, not a lender. Applications are introduced to third-party lenders, which provide any agreed finance. Availability, charges and ownership arrangements are confirmed in the lender’s agreement.
Disclaimer: All finance is provided by wellness finance specialists Johnson Reed Ltd. Leasing is suitable for UK business users only. This can include new or established businesses. Quotation is only valid for Limited companies and is for illustration purposes only. Subject to status and credit approval. E&OE. Documentation fees may apply. A deposit/advance rental and/or personal guarantee may be required. Title transfer/ownership options are available at end of lease term.
THE WELLNESS OPPORTUNITY
Wellness is part of how people choose to spend their time.
These figures offer context for the market. Your own commercial case should come from your audience, location, pricing and operating costs.
of travellers surveyed cited rest and recharge as a motivation for leisure travel in 2026.
Hilton 2026 Trends ReportGlobal survey of 14,009 adults in 14 countries, conducted in June 2025. Travel intentions, rather than measured bookings.
spent on wellness tourism worldwide in 2024, according to the Global Wellness Institute.
Global Wellness Institute · 2025 researchApproximate GBP equivalent of US$894bn, using the Bank of England’s 2024 annual average (£1 = US$1.2783), rounded to the nearest billion.
Bank of England · 2024 exchange rateIncludes whole-trip spending such as accommodation and travel. This is not a UK sauna market estimate or a forecast for your business.
02 / BUILD YOUR BUSINESS CASE
Explore the potential return on your wellness space.
Try a paid sauna session, a private spa booking or a guest add-on. Define one booking consistently, then change the assumptions below. The starting figures are an illustration, not KeiCo customer results or a demand forecast.
Your illustrative annual picture
- Revenue
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- Operating contribution before finance and tax
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- Cash after the repayments you enter
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- Simple payback before financing
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- Break-even bookings per trading week
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Annual fixed costs and entered repayments run for all 12 months. Simple payback divides the full project cost by operating contribution before financing; it is not the term of a lease or a discounted investment return.
Discuss your project with KeiCo
No repayment entered
No positive payback
Not achievable with this margin
years
Break-even exceeds the booking capacity entered.
The assumptions produce negative cash after entered repayments.
Income per booking does not cover its variable cost.
The assumptions do not generate a positive operating contribution.
How the return planner works
Paid bookings = weekly capacity × occupancy × trading weeks. Revenue = paid bookings × income per booking. Operating contribution deducts variable costs and 12 months of fixed operating costs. Entered finance repayments are deducted separately to show the cash remaining before tax.
Break-even bookings cover the fixed operating costs and repayments entered. Figures are annual averages; they do not model monthly seasonality. Use all values excluding recoverable VAT, or include VAT consistently where it cannot be recovered. The tool does not calculate VAT or tax.
Include all costs relevant to your project. The model excludes inflation, future replacement costs, residual values, tax, depreciation and any costs you have not entered. It does not estimate a room-rate uplift or membership growth. Those need a separate business case.
Illustrations only. This tool is not a forecast, valuation, finance offer or investment recommendation. Actual demand, costs and results can be materially different.
03 / FROM IDEA TO AGREED SCOPE
A clear route to your next step.
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Shape the project
Tell us about your business, space and intended use. We will help define the specification and what the project needs.
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Review the numbers
Get an itemised project quotation. Discuss eligibility, payment terms and any conditions with Johnson Reed before making a commitment.
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Agree the plan
Once the project, funding and site requirements are agreed, confirm product availability, delivery and installation arrangements with KeiCo.
Commercial finance questions
Who is this finance page for?
UK businesses considering equipment or a wellness project. The supplied calculator’s quotations are illustrative and valid for limited companies only. New and established businesses can enquire; eligibility is assessed individually by Johnson Reed and its lenders.
Can a bespoke project be considered?
Start with an itemised KeiCo quotation for the equipment and agreed scope. Ask Johnson Reed which elements can be financed; do not assume every site-work, installation or design cost will qualify.
Will I own the equipment at the end?
This depends on the agreement. Ask Johnson Reed to confirm the finance product, any final payment, title-transfer terms and all fees before signing.
Are the return-planner figures typical results?
No. The initial figures are a worked illustration using editable assumptions. They are not evidence of previous KeiCo returns, guaranteed occupancy or a promised payback period.
Can I use this calculator for a private home purchase?
This page and calculator are for business finance. For a private home project, contact KeiCo to discuss the options currently available to you.
LET’S PLAN YOUR WELLNESS SPACE
Tell us what you have in mind.
A new idea, an existing venue or a project ready to price—share a little about your business and we will help you take the next step.
01282 500343
orders@thekeico.com
This is a project enquiry to KeiCo, not a credit application. We will explain the separate finance-enquiry process. Please do not include bank details, identity documents or other sensitive financial information here.
