Practice Equipment Finance
Invest in capability.
Keep the cash in the practice.
Clinical equipment, diagnostics, automation and software can transform what a practice can do. Asset finance lets you spread the cost over the working life of the equipment.
The pressure
The equipment patients expect is rarely cheap.
CBCT scanners, digital X-ray, OCT, dispensing robots, refrigeration, high-spec workstations: the kit that defines a modern practice often carries a significant price tag, and it keeps moving on.
Paying outright can drain reserves the practice needs for payroll, tax and the unexpected. Spreading the cost lets the equipment help pay for itself.
What can be financed
What it can cover.
- 01 Clinical and diagnostic equipment Dental chairs, CBCT, imaging, ultrasound, analysers, OCT.
- 02 Surgical and treatment equipment Theatre, anaesthesia, monitoring and aesthetic equipment.
- 03 Dispensing automation Robots and dispensing systems.
- 04 Mortuary and refrigeration Cold rooms and preparation-room equipment.
- 05 Technology and software Workstations, CAD/BIM licences, practice-management and case-management systems.
How it’s often structured
Structured around the practice.
Hire purchase, finance lease or a business loan, usually matched to the useful life of the equipment. Software and licences can sometimes be funded separately or as part of a wider package.
How we help
Not one lender. The right one.
We don't offer a single product. We look at what you're trying to fund, how your firm earns and spends, and which lenders in the market are most likely to support it. Then we prepare the case, approach suitable lenders and manage the process through to completion.
Questions
What firms usually ask.
Can I lease dental equipment or buy it on finance?
Both are usually possible. Dental chairs, CBCT scanners, intraoral scanners and imaging can typically be funded through hire purchase, a finance lease or a business loan. Which suits you depends on whether you want to own the equipment, how you prefer to account for it, and the lender’s view. Your accountant can advise on the tax treatment.
Hire purchase vs leasing for practice equipment: what’s the difference?
In general terms, hire purchase spreads the cost and ownership usually passes to the practice at the end of the agreement. With a finance lease, the lender typically owns the equipment and the practice pays to use it. Accounting and tax treatment differ, so your accountant can advise which suits your practice.
What equipment can a veterinary or medical practice finance?
Most clinical and diagnostic kit can be funded, including imaging, ultrasound, analysers, theatre, anaesthesia and monitoring equipment. Opticians fund OCT and retinal imaging, pharmacies fund dispensing robots, and funeral directors fund mortuary refrigeration. Lenders typically match the finance to the useful life of the equipment.
Can software and IT be financed as well as equipment?
Sometimes. Workstations, CAD and BIM licences, practice-management and case-management systems can be funded, either separately or as part of a wider package with hardware. Some lenders are more comfortable funding software than others, since it has less resale value, so we search the market for those that are.
Why finance practice equipment instead of paying cash?
Paying outright can drain reserves a practice needs for payroll, tax and the unexpected. Spreading the cost over the equipment’s working life lets it contribute to earnings while it is being paid for. Whether financing makes sense depends on your cash position and plans, and your accountant can advise on the tax side.
Success stories
Equipment & Technology in practice.
Financing a complete digital dentistry upgrade.
An established dental practice wants to upgrade two surgeries with new dental chairs, digital scanners, imaging technology and a CBCT scanner. Rather than paying the full cost upfront, an asset-finance structure could allow the practice to spread expenditure over the useful life of the equipment while retaining cash for the wider business.
Explore finance → £450k Representative funding scenarioPractice expansion DentalExpanding from four surgeries to six.
An established four-surgery practice plans to expand to six surgeries. The funding strategy could combine several products rather than forcing the entire project into one loan.
- Refurbishment
- Fit-out
- Dental equipment
- Technology
- Working capital
Funding a veterinary practice’s next generation of diagnostic equipment.
A growing veterinary practice wants to purchase digital X-ray, ultrasound, laboratory and surgical equipment. Asset finance could potentially allow the practice to invest in the equipment while preserving capital for day-to-day operations and recruitment.
Explore finance →Let's talk
Upgrading equipment?
Spread the cost over its working life.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.