Lendus.

Dental Practice Loans

Whether you're buying a practice, upgrading equipment, or expanding your surgery, Lendus compares 200+ lenders to find the right dental finance for your needs.

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

Typical Range

£25k – £3m

Average Loan

£350k

for dental practice

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Unsecured Business Loan

Rate
5.9% – 18.9% APR
Term
1 – 5 years
Security
No security required
Best for
Equipment upgrades, practice refurbishments, marketing, and working capital

Secured Business Loan

Rate
3.9% – 11.9% APR
Term
3 – 25 years
Security
Practice premises or residential property
Best for
Practice acquisitions, buying freehold premises, or large-scale expansion projects

Asset Finance

Rate
4.5% – 10.9% APR
Term
2 – 7 years
Security
The dental equipment being financed
Best for
Dental chairs, digital X-ray systems, CBCT scanners, CAD/CAM equipment, and fit-out costs

Representative example

Borrow £350,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£11,277. Rates depend on your circumstances and the type of loan.

Market context

The UK dental sector is worth approximately £8.5 billion annually. There are around 12,300 dental practices in England alone, with the private dental market growing at roughly 4% per year as NHS provision contracts.

Common challenges

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Bad credit?

Several of our 200+ lenders work with dental practice businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Our eligibility check uses a soft search — no impact on your credit score.

Frequently asked questions

How much can I borrow to buy a dental practice?
Most specialist dental lenders will fund up to 100% of the practice purchase price, including goodwill, provided the practice demonstrates sustainable earnings. Typical practice acquisition loans range from £200,000 to £3 million. The key metric lenders assess is the practice's EBITDA (earnings before interest, tax, depreciation, and amortisation) relative to your borrowing. Lendus works with lenders who understand dental practice valuations and the role of goodwill.
Can I finance dental equipment separately from a practice purchase?
Yes. Asset finance or hire purchase agreements are ideal for individual equipment purchases. You can finance items like dental chairs (£8,000-£25,000), digital X-ray units (£15,000-£40,000), or CBCT scanners (£60,000-£150,000) independently. The equipment itself serves as security, so you often don't need additional collateral. Repayment terms typically run 3-7 years.
Are there specific lenders who understand dental practices?
Yes, several UK lenders specialise in healthcare and dental finance. They understand metrics specific to the sector such as UDA values, chair utilisation rates, and associate vs principal earnings splits. Lendus has relationships with these specialist lenders as well as mainstream banks, ensuring you see the full range of options available to dental professionals.
Can a newly qualified dentist get a loan to set up a practice?
It is possible but more challenging for newly qualified dentists. Most acquisition lenders prefer at least 2 years of post-qualification experience, ideally with associate earnings history. However, equipment finance and smaller unsecured loans are accessible earlier. A strong business plan, mentorship from an experienced principal, and evidence of a patient pipeline can significantly improve your chances with lenders.

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