A scope is only half the purchase — the decontamination side is the half that decides whether the service can actually run.
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Yes. Endoscopy is regularly funded, usually as a complete service rather than a single item: processor, light source, monitor, trolley, a set of scopes, and the reprocessing chain of washer-disinfector and drying cabinet. Used scopes are fundable through specialist refurbishers. The thing that catches buyers out is that the decontamination side is often as expensive as the imaging side and is frequently left out of the original budget, and without it the service cannot open — so a funder will ask about it even when your quote does not mention it.
Used kit: Yes — refurbished processors and scopes are funded where a specialist reprocessor supplies them with warranty, commonly up to around seven or eight years old.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 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 may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Funders treat consultant-owned clinics as strong professional covenants, and endoscopy processors and washer-disinfectors are genuinely recoverable assets with an international resale market, so appetite is reasonable. Scopes are the awkward part: they are fragile, repair costs are significant, and a damaged scope has little value, so some underwriters discount them heavily within the schedule. CQC registration is non-negotiable in their eyes. Income source shapes the view, with insurer-funded and NHS subcontracted caseload reading better than pure self-pay. Reasons for decline include clinics without a registered manager in place, projects where building and ventilation works dominate the cost, and applicants seeking to fund a service they have no existing referral pipeline for.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Olympus EVIS X1 | Endoscopy video processor and light source |
| Olympus EVIS EXERA III | Video processor platform for flexible scopes |
| Pentax Medical EPK-i7010 | Video processor for flexible endoscopes |
| Pentax Medical INSPIRA video processor | Endoscopy imaging platform for units |
| Fujifilm ELUXEO 7000 | Processor and light source platform |
| Karl Storz IMAGE1 S | Modular camera and imaging platform |
| Wassenburg WD440 | Endoscope washer-disinfector for decontamination rooms |
| Olympus endoscope reprocessors | Washer-disinfectors for flexible scopes |
| Steelco endoscope drying cabinets | Controlled storage cabinets for scopes |
| Ambu aScope range | Single-use flexible endoscopes and monitor |
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Private gastroenterology and urology clinics setting up their own lists rather than renting theatre time, independent hospitals replacing an ageing stack, and consultant-owned companies establishing a day-case service. ENT and respiratory clinics buying flexible nasendoscopes at a smaller scale are frequent callers too. The trigger is usually waiting list demand outrunning the sessions available at a rented facility. A few callers are clinics replacing scopes condemned at a decontamination audit.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Yes, and it should be. Washer-disinfectors and drying cabinets are substantial, identifiable assets that strengthen the schedule, and funders know a stack without reprocessing cannot be used. Presenting the whole service on one schedule is both more honest and easier to place. It also avoids the awkward situation of an approved stack sitting in a box while you arrange the reprocessing separately.
Cautiously. They are expensive, delicate and costly to repair, and a damaged scope is close to unsaleable, so some underwriters attribute less security value to them than the invoice suggests. It rarely stops an approval, but it can influence how much they want covered elsewhere.
The processor and monitor are, because they are durable equipment. The single-use scopes themselves are consumables and cannot be capitalised. If your supplier quotes a bundled price covering both, ask them to separate the capital equipment so the fundable figure is clear. Single-use scope models shift cost from capital to consumables, which changes the shape of the application considerably.
Not necessarily. Funders will look at your existing consultant income, your referral relationships and usually take personal guarantees. What makes the difference is evidence of demand and a registered, secured facility. A new company with neither is a much harder conversation. Evidence of existing private practice income, and a facility or lease already signed, does more than anything else to move it along.
Generally only a limited proportion, alongside the equipment. Ventilation and building alterations are soft costs with no recovery value. Where the works are a large share of the project, they usually need funding separately while the equipment goes on a conventional asset facility. We would map that out before approaching lenders so you are not asking one funder to do two different jobs.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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