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Dental Equipment Finance

Spread the cost of dental equipment from £3,000 to £200,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a dental equipment?

Yes, dental equipments 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 £3,000 to £200,000, and most deals are written over 12–72 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
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £200k

Approval Speed

24–48 hours

Preferential dental rates

Rates From

4.5% APR

What would a dental equipment cost per month?

£40,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical dental equipment price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
12–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Dental practices wanting to own equipment outright

Finance Lease

Rate
From 4.5% APR
Term
12–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Always have latest dental technology. Off balance sheet.

Representative example

On a purchase price of £40,000: a 10% deposit of £4,000, then 48 monthly payments of £844 at 5.9% APR representative (fixed). Total amount payable £44,512, 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
A-dec 500 Treatment Centre £25,000 – £45,000 Dental Chair Unit
Planmeca ProMax 3D £60,000 – £100,000 CBCT/OPG Scanner
CEREC Primescan AC £40,000 – £65,000 CAD/CAM System
W&H Implantmed £5,000 – £10,000 Implant Motor

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Tax benefits

Dental equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible from profits.

Market context

Dental equipment, chairs, imaging systems and sterilisation kit, is bought mainly by dental practices, from a single dentist buying out or setting up a first surgery to a group expanding across several sites. Finance is the usual route because a full surgery fit-out is a large capital outlay for what is often a small business, and spreading the cost keeps cash available for staff while the surgery builds a patient list. Replacement tends to follow a shift to digital imaging or new scanning technology that patients and insurers increasingly expect, rather than the existing equipment failing. There is a modest used market, mainly for chairs and general equipment.

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

Can I finance a surgery fit-out?
Yes, most lenders let you bundle chairs, imaging, CAD/CAM and other equipment into a single agreement rather than financing each item separately. This is common for a new practice opening or a full refurbishment, since a surgery fit-out is usually specified and quoted as one project by the dental equipment supplier. Putting the whole fit-out on one agreement generally means a single monthly payment and one renewal date, which is simpler to manage than several finance facilities running to different schedules across the surgery.
What deposit do I need for dental equipment finance?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases can often be arranged with no deposit at all. This matters for a dentist buying out or setting up a first surgery, where cash needs to stretch to staff and building the patient list as well as the equipment itself. A larger deposit reduces the monthly payment, but many first-time practice owners choose the no-deposit route to preserve working capital through the early months.
How quickly can I get dental equipment finance?
Most applications are approved within 24-48 hours. Dental professionals are viewed as a low-risk category given the stable, licensed nature of the profession, and often qualify for preferential rates and a faster review than a similarly priced piece of general commercial equipment. A full surgery fit-out involving multiple chairs and imaging systems takes a little longer to review than a single replacement chair or scanner, since the lender assesses the complete specification.
Can newly qualified dentists get finance?
Yes, specialist healthcare lenders offer start-up packages for newly qualified dentists, often with reduced deposits and competitive rates thanks to the stable income profile the profession offers even without a long trading history. A newly qualified dentist buying into an existing practice or setting up independently is a common and well-understood application type, so lenders active in dental finance are generally comfortable assessing the application on qualification and associateship income rather than requiring years of practice ownership first.
What happens at the end of a dental equipment finance agreement?
Hire purchase transfers full ownership of the equipment once the agreement is paid off, which suits a practice wanting to own its chairs and imaging systems outright. A finance lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder, while an operating lease is return-only, which suits a practice wanting to always have the latest dental technology rather than run the same equipment to the end of its working life. A shift to digital imaging or new scanning technology, more than failure, usually drives replacement.
Can I finance a used dental chair or imaging system?
Yes, though the used market for dental equipment is more modest than for general commercial machinery, mainly covering chairs and general equipment rather than the latest imaging and scanning systems, where patients and insurers increasingly expect current technology. Lenders will want details of the equipment's age, condition and any recent servicing before agreeing terms, and a used chair from an established manufacturer with a documented service history is generally the most straightforward item to finance secondhand.

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Guides and resources

What Is Asset Finance? HP vs Leasing Operating vs Finance Lease Best Asset Finance Companies Close Brothers Review Lombard Review

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