Dental Equipment Finance

Dental equipment finance spreads the cost of new chairs, digital imaging, decontamination kit or a full surgery refit into fixed monthly payments, so your practice can invest in patient care without draining its reserves.

From £1,000 with no upper limit
Decisions within 24 hours
A panel of over 200 lenders

Cost up your surgery Speak to the team

Dental surgery with a white dental chair, overhead light and instrument tray, typical of dental equipment finance

Surgery and practice equipment we fund

Whether you are replacing a single ageing unit or fitting out a new surgery, dental practice finance can bring chairs, imaging, sterilisation and software together on one agreement. You can also see everything else we can finance.

Dental chairs and units

Treatment chairs, delivery units, overhead lights, stools and cabinetry for each surgery, with dental chair finance available for new or approved refurbished units.

X-ray and imaging

Intraoral sensors, panoramic and cephalometric units and 3D cone beam scanners for diagnosis and implant planning.

Intraoral scanners and CAD/CAM

Digital impression scanners, milling units and furnaces for chairside restorations.

Sterilisation and decontamination

Autoclaves, washer disinfectors, ultrasonic baths and sealers, so your decontamination room is covered by dental equipment leasing too.

Compressors and suction

Surgery compressors, amalgam separators and suction plant that keep every room running.

Practice software and IT

Patient records, appointment systems, servers and workstations that keep the front desk moving.

Software finance

Hardware and networking

Computers, monitors and secure networking for imaging viewers and reception.

IT equipment finance

Surgery refurbishment

Flooring, cabinetry, lighting and plumbing for a new room, funded alongside the equipment.

Dentist carrying out a check up on a patient in a modern dental surgery

Built around the way practices are run

Patient lists, NHS contracts and private treatment plans all shape your income, so we structure dental chair finance around the cash your practice actually brings in.

NHS practices

Replace worn chairs while contract income stays steady.

Mixed practices

Equip private rooms alongside NHS surgeries with dental practice finance.

Private and cosmetic clinics

Scanners and imaging for higher value treatment.

Associates going it alone

Open your own surgery with a manageable outlay.

Practice purchases

Upgrade inherited dental equipment after an acquisition.

Orthodontic and implant specialists

3D imaging and digital workflow equipment.

Three ways to fund your practice

Your account manager will explain which structure fits, depending on whether you want to own the kit and how your accountant treats it. Practice owners can also read the General Dental Council's website for the standards that decontamination and equipment choices should support.

Finance lease

You pay a fixed rental to use the equipment and avoid a large upfront cost. Rentals can often be offset against profit.

Best for digital scanners and imaging that you expect to upgrade as technology moves on.

How a finance lease works

Hire purchase

You repay the cost in instalments and then own the equipment outright, and it shows on your balance sheet throughout.

Best for long lasting items such as chairs, units and compressors.

How hire purchase works

Sale and leaseback

If you already own surgery equipment outright, release the cash tied up in it and carry on using every item as normal.

Best for funding a practice purchase or adding another surgery.

Sale and leaseback

From supplier quote to a working surgery

Most agreements for dental equipment finance complete within a few days, which helps you plan installation around patient lists and keep chair time free.

Step 1

Gather your quote

Ask your dental supplier for a quote covering equipment, delivery and fitting, or ask us to introduce one.

Step 2

Apply online

Complete a short form with your practice details. Most deals need little paperwork.

Step 3

Receive a decision

We approach the lenders best placed to back your application and reply within 24 hours.

Step 4

Sign and fit

Sign electronically, we pay your supplier directly and the equipment is installed ready for patients.

Example: opening a fourth surgery

A busy private practice has a waiting list for appointments and a spare room. Fitting it out would take a large share of the money set aside for staff, materials and marketing.

Funded over five years through dental equipment finance, the surgery opens on schedule, new appointments start earning straight away and the payments are covered by the additional treatment income.

For a newly formed practice, we look to lenders that back start up funding. Your accountant can say how rentals are treated for tax, and our tax relief guide gives the background.

Estimate the monthly cost

Typical new surgery package

Dental chair, delivery unit and light£14,500

Intraoral digital X-ray sensor£3,200

Surgery compressor and suction£4,800

Intraoral scanner£16,000

Cabinetry and flooring£7,500

Total funded£46,000

These figures are for illustration. What you pay each month depends on the practice accounts, the kit and the length of agreement.

Questions about financing dental equipment

Not found your answer? Our full FAQs cover deposits, eligibility and more, or you can talk to the team directly.

Useful downloads

Dental equipment brochure Benefits of leasing Leasing FAQs

Wondering what the sums look like? Read our guide to how much equipment finance costs in the UK.

Can I get dental chair finance for a whole new surgery?

Yes. Chair, unit, imaging, compressor, cabinetry and fitting can usually sit on a single agreement, provided they appear on your supplier's quote. Funding starts from £1,000 and has no upper limit.

Does an NHS practice qualify differently from a private one?

Lenders look at the strength of your accounts and your income, whether that comes from NHS contracts, private fees or a mix of both. We present your practice to the lenders best suited to it.

Can a new practice get dental practice finance?

Often, yes. We work with lenders that consider start ups and first time owners. A clear business plan, and in some cases a deposit or personal guarantee, can help.

Can I fund a practice purchase and its equipment together?

Equipment inherited with a practice can be refreshed through finance, and sale and leaseback can release cash from kit you already own. The purchase price itself is a separate lending question, which your account manager can discuss.

Does the practice still need to meet regulatory standards?

Finance does not change your obligations. Registration, infection control and equipment standards remain with you, and the Care Quality Commission publishes what it expects of registered providers in England.

What happens when the agreement ends?

Hire purchase ends with ownership of the chairs and units. A lease usually gives you three routes: carry on at a lower rental, hand the kit back or take newer technology under a fresh agreement.

Ready for new dental equipment?

Send us your supplier quote or tell us what you need.

We will find the right lender and come back within 24 hours.

Start your quote Call 0191 250 1550