Medical, Dental & Veterinary Equipment Finance
Chairs, imaging, surgical and diagnostic equipment — funded over the years the practice earns from them, not the quarter you buy them.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
Medical equipment finance, dental equipment finance and veterinary equipment funding all share a problem: the kit is expensive, it is essential, and practices are usually asset-rich but cash-tight. Spreading the cost across the years the equipment generates fees keeps the practice liquid while it re-equips.
What you can fund
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| Dental chair | Spread the cost of a treatment centre across the years it earns for the surgery, rather… | Read the guide |
| Dental surgery fit-out | A whole surgery, branch or squat build arranged as one facility instead of six separate agreements… | Read the guide |
| Intraoral scanner | Digital impression scanners are portable, high value and easy to identify, which makes them one of… | Read the guide |
| Dental CBCT scanner | Cone beam imaging is a big-ticket purchase that usually arrives with a lead-lined room attached, so… | Read the guide |
| Dental X-ray | From a wall-mounted intraoral set to a full panoramic machine, dental radiography is a middle-ticket asset… | Read the guide |
| Dental autoclave | Sterilisers rarely fail at a convenient moment, and a practice cannot open without one, so speed… | Read the guide |
| Dental milling machine | Bringing crown and bridge work in house means a mill, a furnace and a workflow —… | Read the guide |
| Orthodontic equipment | Orthodontics buys in workflows rather than single machines, so the funding usually needs to cover a… | Read the guide |
| Dental implant equipment | Implant kit is small, expensive and highly portable, which makes it easy to lose track of… | Read the guide |
| Veterinary X-ray | Whether it is a fixed table in a small animal practice or a portable set going… | Read the guide |
| Veterinary ultrasound | Ultrasound is the classic movable veterinary asset — portable, serial numbered, resaleable, and therefore easy for… | Read the guide |
| Veterinary operating table | Theatre equipment is rarely bought one piece at a time, so the sensible approach is to… | Read the guide |
| Veterinary anaesthesia machine | Anaesthetic machines, vaporisers and monitors are modest individually but add up fast when a practice is… | Read the guide |
| Veterinary dental equipment | Veterinary dentistry has gone from an afterthought to a revenue line, and the kit to do… | Read the guide |
| Kennels and cages | Ward housing is unglamorous, long-lived and expensive to buy all at once, which is exactly the… | Read the guide |
| Ultrasound scanner | Diagnostic ultrasound moves, holds value and is easy to identify, which puts it among the most… | Read the guide |
| ECG machine | Individually a small purchase, but clinics rarely buy one — a fleet of monitors across several… | Read the guide |
| Endoscopy equipment | A scope is only half the purchase — the decontamination side is the half that decides… | Read the guide |
| MRI scanner | Large imaging is closer to a construction project than an equipment purchase, and the funding has… | Read the guide |
| Aesthetic laser | Lasers hold their value and move easily, but the clinic buying one is judged very differently… | Read the guide |
| IPL machine | IPL sits at a lower price point than laser, which changes both the funding product and… | Read the guide |
| Body contouring machine | Contouring devices are sold hard, bought quickly and sometimes resold within a year, and funders have… | Read the guide |
| Patient hoist and hospital bed | Care operators replace beds and hoists in batches, which turns a long list of modest items… | Read the guide |
| Podiatry chair | Podiatry buys in small, sensible amounts, so the trick is grouping a clinic room into one… | Read the guide |
| Physiotherapy couch | Couches are the backbone of a physio clinic and rarely bought one at a time, which… | Read the guide |
| Shockwave therapy machine | Shockwave units sit at the point where a physio clinic purchase becomes big enough for proper… | Read the guide |
| OCT scanner | An OCT is how most independent practices differentiate themselves, and it is usually the largest single… | Read the guide |
| Audiology equipment | A hearing clinic is a room full of instruments plus a booth, and the booth is… | Read the guide |
Funding a practice without draining it
A single dental chair, imaging suite or veterinary theatre can absorb a year of retained profit. Because the equipment then earns for a decade, funding it over that period rather than paying up front usually costs less in real terms than the working capital it protects.
Dental equipment finance
Dental equipment finance covers chairs, delivery units, intra-oral and OPG imaging, CAD/CAM and milling, autoclaves and full surgery fit-outs. Practices expanding from one surgery to two usually fund the whole room as a package rather than piece by piece, which is simpler and generally better priced.
Medical equipment finance
Medical equipment finance suits private clinics, GP practices, aesthetics and diagnostic providers — ultrasound, laser and IPL systems, monitoring, treatment couches and consulting-room fit-out. Aesthetic and laser equipment in particular is often bought on the strength of a treatment list that has not started yet, so the funding structure matters.
Veterinary equipment finance
Veterinary practices carry a hospital’s worth of equipment on a small-business balance sheet: theatre tables, anaesthetic machines, digital radiography, in-house laboratory analysers, dental units and kennelling. All of it funds, and it can be combined into one facility when a practice re-equips or opens a branch.
Why lenders like healthcare
Default rates in dental, medical and veterinary practice are historically low, and lenders know it. Professional qualifications, recurring patient income and regulated practice all count in your favour. That often means terms a general SME would not be offered, and several lenders run dedicated healthcare desks — which is worth knowing before you accept a supplier’s in-house finance.
Supplier finance versus whole of market
Equipment manufacturers and dealers routinely offer finance at the point of sale. It is convenient and occasionally competitive, but it is one lender’s offer presented at the moment you have already chosen the chair. Comparing it against the wider market costs nothing and frequently saves a meaningful sum over a five-year term.
Practice acquisition and partner buy-in
Where a practice is being bought or a partner is buying in, the equipment element can often be separated and funded on asset terms while the goodwill is handled differently. That frequently improves the overall structure, because equipment attracts better rates than goodwill.
Refinancing equipment you already own
An established practice with owned chairs, imaging and lab equipment can refinance to release capital for a refit, an additional surgery or a buy-in, without selling anything or interrupting a single appointment.
New practices and partner buy-ins
A new practice has no trading history, which narrows the lender list rather than closing it. Professional qualifications, a business plan and a director’s guarantee carry real weight in healthcare lending, where default rates are historically low. Tell us where you are and we will be straight about what is realistic.
What to send us
Send us the equipment quotation — including any finance the supplier has already offered — and we will tell you honestly whether we can better it. If you own equipment outright and need capital for a refit or buy-in, tell us and we will check what refinancing releases. No credit check to ask.
How it works
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Frequently asked questions
Can I finance dental equipment?
Can a new practice get equipment finance?
Do you fund veterinary equipment?
Can I fund a whole surgery or consulting room at once?
Can I finance used medical or dental equipment?
Do you cover my area?
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Machines we fund
274 machines named across 28 types of Medical, dental & veterinary. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
Dental chair finance10
Dental surgery fit-out finance10
Intraoral scanner finance10
Dental CBCT scanner finance10
Dental X-ray finance10
Dental autoclave finance10
Dental milling machine finance10
Orthodontic equipment finance10
Dental implant equipment finance10
Veterinary X-ray finance9
Veterinary ultrasound finance10
Veterinary operating table finance9
- Vet-Tech Solutions ST002
- Vet-Tech Solutions wet prep table
- Vet-Tech Solutions dental tables
- Eickemeyer hydraulic V-top table
- Eickemeyer mobile lift tables
- Shor-Line surgery tables
- Shor-Line lift tables
- Burtons veterinary operating tables
- Midmark veterinary surgery tables
- All veterinary operating table finance →
Veterinary anaesthesia machine finance9
Veterinary dental equipment finance9
Kennels and cages finance9
- Shor-Line stainless cage banks
- Shor-Line walk-in runs
- Burtons walk-in kennel runs
- Vet-Tech Solutions cat ward units
- Vet-Tech Solutions isolation kennels
- Vet-Tech Solutions stainless cage banks
- Eickemeyer oxygen kennel units
- TriStar Vet kennel systems
- Midmark veterinary cage systems
- All kennels and cages finance →