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Orthodontic Equipment Finance

Spread the cost of orthodontic equipment from £5,000 to £60,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a orthodontic equipment?

Yes, orthodontic 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 £5,000 to £60,000, 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
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Typical Cost

£5k – £60k

Approval Speed

24–48 hours

Preferential rates for specialists

Rates From

4.5% APR

What would a orthodontic equipment cost per month?

£22,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical orthodontic 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
Orthodontic 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
Practices upgrading scanning and imaging technology regularly

Representative example

On a purchase price of £22,000: a 10% deposit of £2,200, then 48 monthly payments of £464 at 5.9% APR representative (fixed). Total amount payable £24,472, 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
Intraoral scanner for clear aligner planning £15,000 – £30,000 Digital Scanning
Cephalometric X-ray unit £20,000 – £40,000 Cephalometric Imaging
Study model 3D printer package £5,000 – £12,000 3D Printing

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Tax benefits

Equipment used wholly for the business qualifies for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 AIA limit. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease rentals are treated as a revenue expense and are usually fully deductible against profits, which is why many practices prefer leasing for equipment that needs replacing on a fixed cycle.

Market context

Orthodontic practices finance a mix of digital scanning, cephalometric imaging and, increasingly, in-house 3D printing for study models and aligner manufacture. The typical buyer is a specialist orthodontic practice or a general practice building an orthodontic service line, often clear aligner providers moving impression-taking and treatment planning entirely digital. Because clear aligner and digital workflow technology changes quickly, leasing is common for the scanning and printing side, while cephalometric imaging units, which have a longer useful life, are more often bought outright on HP.

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 equipment for a clear aligner service specifically?
Yes. Lenders will finance the scanner, any in-house 3D printing equipment and associated software needed to run a clear aligner service. This is treated as standard equipment finance rather than a different product category. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Do I need a cephalometric X-ray if I already have a panoramic unit?
That depends on your case mix and whether you refer cephalometric imaging out. Many orthodontic practices add a combined panoramic/cephalometric unit rather than a standalone cephalometric machine, which a lender can finance as a single piece of equipment. Lenders will want to see the practice's recent trading history and a supplier quote for the specific equipment before confirming terms, which is standard for this kind of asset finance regardless of the equipment category.
Is leasing better than buying for orthodontic scanning equipment?
Many orthodontic practices lease scanning and printing equipment because the technology moves quickly and a lease makes it easier to upgrade at the end of the term. Cephalometric imaging, which changes less often, is more commonly bought on hire purchase. The right choice often comes down to how the practice wants the asset to sit for accounting purposes and how confident it is about needing the same equipment for the full term, which is worth discussing with your accountant alongside the finance quote.
What deposit is typical?
Hire purchase usually asks for 10–20% deposit; finance and operating leases often require none. Larger imaging purchases may see lenders ask for a deposit depending on trading history. Putting down more than the minimum deposit lowers the monthly repayment and can support a better headline rate, which is worth weighing against keeping cash in the business for working capital instead.
How quickly can I get approved?
Most applications are approved within 24–48 hours. Orthodontic and dental specialists are generally treated as a lower-risk category by asset finance lenders. Having a recent set of accounts, a supplier quote and the full equipment specification ready at the point of application tends to speed the decision up, since most of the time in any application goes on the lender confirming trading history and affordability.

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