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Amalgam Separator Finance

Spread the cost of an amalgam separator from £700 to £6,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a amalgam separator?

Yes, amalgam separators are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £700 to £6,000, and most deals are written over 12–36 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
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Typical Cost

£700 – £6k

Approval Speed

24–48 hours

Same-day for standalone units

Rates From

5.2% APR

What would a amalgam separator cost per month?

£2,500
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical amalgam separator price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.8% APR
Term
12–36 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Practices wanting to own the separator outright

Finance Lease

Rate
From 5.2% APR
Term
12–36 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 6.2% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Keep separation equipment current without a large upfront cost. Off balance sheet.

Representative example

On a purchase price of £2,500: a 10% deposit of £250, then 48 monthly payments of £53 at 5.9% APR representative (fixed). Total amount payable £2,794, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Dürr Dental CAS1 £800 – £1,800 Standalone Amalgam Separator
Dürr Dental VSA 600 with CA 2 £4,500 – £6,000 Combined Suction and Amalgam Separation System
Multi-chair amalgam separation system £2,000 – £4,000 Multi-Chair Amalgam Separation System (specification class)

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Tax benefits

Amalgam separators qualify for Annual Investment Allowance (AIA), letting you deduct the qualifying cost from taxable profits in the year of purchase, up to the current annual limit. HP purchases attract capital allowances, and lease payments are generally fully deductible against profits.

Market context

Amalgam separators are fitted by CQC-regulated dental practices to capture mercury-containing waste from wastewater before it leaves the surgery, and installing one is typically a regulatory and environmental compliance requirement for practices still placing or removing amalgam fillings, rather than a discretionary purchase. A single-chair practice usually needs one unit per suction system, while a multi-surgery practice may need a separator at each chair or a shared unit feeding a central system. Finance is often used when a separator is added as part of a wider refurbishment or when an older unit reaches the end of its rated capacity, since separators need periodic servicing and cartridge replacement regardless of how they were purchased. There is very little used market for this equipment, since units are inexpensive relative to other dental equipment and are usually bought new.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Do I have to have an amalgam separator?
Most UK dental practices that place or remove amalgam fillings are required to capture amalgam waste before it enters the wastewater system, and an amalgam separator is the standard way of meeting that requirement. The exact rules depend on your practice type and local water company requirements, so it's worth checking with your practice's compliance lead or dental adviser on the current position. Because it's generally treated as compliance infrastructure rather than optional equipment, many lenders are used to financing separators alongside other core surgery equipment.
What deposit do I need for an amalgam separator?
For hire purchase, most lenders ask for a 10–20% deposit, though because separators are a low-value item, some lenders will approve smaller deals with little or no deposit. Finance leases typically require no deposit at all. Given the modest cost of most separators, many practices simply pay the deposit from working capital rather than negotiating it down.
Can I finance an amalgam separator alongside a suction unit?
Yes. Combined suction and separation units are common, and most lenders will finance them as a single item rather than treating the suction and separation elements separately. Where you're buying a standalone separator to add to an existing suction system, this can also be included on the same agreement as any other equipment being fitted at the same time, such as during a refurbishment.
Does finance cover servicing and cartridge replacement?
No, hire purchase, finance lease and operating lease agreements cover the cost of the equipment itself, not the ongoing servicing or cartridge replacement that amalgam separators need to keep working correctly. These running costs are usually paid separately as they arise, either directly to a service provider or under a maintenance contract, and are worth budgeting for alongside the finance repayment.
How quickly can I get amalgam separator finance approved?
Most applications are approved within 24–48 hours, and because separators are a low-value, routine purchase, same-day approval is common. Where a separator is being financed as part of a larger fit-out or refurbishment involving other equipment, the lender will review the whole package together, which can take a little longer than a standalone application.

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