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CW Asset Finance | Vehicle & Equipment Finance Yorkshire

← All finance questions

Can I finance healthcare or dental equipment?

Yes. Dental chairs and units, imaging and X-ray equipment, CBCT and OPG scanners, autoclaves and decontamination equipment, physiotherapy and podiatry equipment, aesthetic and laser systems, veterinary equipment and practice IT can all be considered. Practices are typically viewed as stable businesses, which helps.

Lenders look at the practice as a whole: how long it has traded, its patient base or NHS contract position, the professional qualifications behind it, and its accounts. Established practices generally have a good range of options. Squat practices and new start-ups are possible but usually need a stronger personal position and more supporting information.

Installation, room preparation, radiation shielding, software licences and training are often bundled into a supplier quote. Some of that is soft cost that a funder may exclude, so ask for the quote to be itemised. Note also that some equipment carries ongoing costs — service contracts, calibration, consumables — that sit outside the finance agreement.

Aesthetic and laser equipment is a mixed picture: it is expensive and desirable but the used market is uneven, and appetite varies by lender and by manufacturer. As always, the payments continue whether or not the equipment is generating income, and default can mean repossession from a working clinic.

Thinking about it for your own business?

Tell us what you are looking to fund and we will search our panel of 60+ lenders. No credit search at this stage, and indicative decisions in as little as 24 hours.

CW Asset Finance is a credit broker, not a lender. Finance is subject to status and lender approval.