Lendus.

Veterinary Equipment Finance

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

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £200k

Approval Speed

24–48 hours

Preferential vet rates

Rates From

From 4.8% APR

Compare veterinary equipment finance rates from 200+ lenders

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Vet practices wanting to own equipment outright

Finance Lease

Rate
From 4.8% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Always have latest veterinary technology. Off balance sheet.

Representative example

Borrow £35,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£728. Total amount payable: ~£34,944. Rates depend on your circumstances.

Popular models

Model Price Range Type
Eickemeyer DR X-Ray System £25,000 – £45,000 Digital X-Ray
GE Logiq e Vet £15,000 – £30,000 Ultrasound Scanner
Midmark Matrx VME2 Table £4,000 – £8,000 Operating Table
Idexx Catalyst One £8,000 – £15,000 In-House Analyser

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Tax benefits

Veterinary 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.

Market context

The UK veterinary market is worth £3.5bn annually. There are over 5,000 veterinary practices in the UK. Digital imaging and in-house diagnostics are the fastest-growing equipment segments, with 18% annual growth.

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.

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Frequently asked questions

Can I finance a practice fit-out?
Yes. Most lenders allow you to bundle multiple equipment items into a single finance agreement. This is common for new practice openings or major upgrades.
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 vet equipment finance?
Most applications are approved within 24–48 hours. Veterinary professionals are a preferred category and often qualify for competitive rates.
Can newly qualified vets get finance?
Yes. Specialist healthcare lenders offer start-up packages for newly qualified vets, often with reduced deposits due to the stable income profile of the profession.

Guides and resources

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