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.

Typical Cost

£3k – £200k

Approval Speed

24–48 hours

Preferential dental rates

Rates From

From 4.5% APR

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

Borrow £40,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£832. Total amount payable: ~£39,936. Rates depend on your circumstances.

Popular models

Model	Price Range	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

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

There are over 12,000 dental practices in the UK. The private dental market is worth £3.8bn. Digital dentistry (CAD/CAM, 3D scanning) is the fastest-growing equipment segment, with adoption increasing 25% annually.

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. Our eligibility check uses a soft search only — no impact on your credit score.

Frequently asked questions

Can I finance a surgery fit-out?

Yes. Most lenders allow you to bundle chairs, imaging, CAD/CAM, and other equipment into a single agreement. This is common for new practice openings or refurbishments.

What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.

How quickly can I get dental equipment finance?

Most applications are approved within 24–48 hours. Dental professionals are a low-risk category and often qualify for preferential rates.

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 due to the stable income profile.