Digital impression scanners are portable, high value and easy to identify, which makes them one of the simpler dental assets to place.
Whole-of-market — 60+ lenders searched, including
Yes, and an intraoral scanner is a straightforward asset to fund because it is portable, serial numbered and holds a real second-hand market. Practices usually fund the wand, cart, laptop and the initial software bundle as one invoiced package. The wrinkle is the software: an increasing number of scanners are sold with an annual subscription rather than a perpetual licence, and recurring subscription fees cannot be capitalised into an asset agreement. Check the quote carefully, because the figure on the brochure often mixes the hardware you can finance with a service plan you cannot.
Used kit: Yes — previous generation scanners around five to seven years old are fundable where a recognised dealer supplies them and the manufacturer will still support the software.
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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).
Underwriters like this asset. It is identifiable by serial number, it can be recovered in an afternoon, and there is an active dealer market in previous generation wands, so the loss given default looks nothing like a plumbed-in chair. Dentists are already a favoured profession and several healthcare desks will run a scanner through a light-touch process on the strength of GDC registration and a clean credit file. Where it goes wrong is the invoice mix. Funders will strip out multi-year software subscriptions, training days and extended warranty from the fundable total, which means the amount approved can come back lower than the amount quoted. Finance-encumbered second-hand wands sold privately are another common reason for a decline.
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 |
|---|---|
| 3Shape TRIOS 5 | Wireless intraoral scanner for practices |
| 3Shape TRIOS 4 | Intraoral scanner with wired option |
| iTero Element 5D Plus | Intraoral scanner and imaging system |
| iTero Lumina | Intraoral scanner with wide capture field |
| Dentsply Sirona Primescan 2 | Cloud-connected intraoral scanner for practices |
| Dentsply Sirona Primescan AC | Cart-based intraoral scanning system |
| Medit i700 wireless | Wireless intraoral scanner for practices |
| Medit i900 | Lightweight intraoral scanner for busy surgeries |
| Planmeca Emerald S | Compact intraoral scanner for general practice |
| Carestream CS 3800 | Wireless intraoral scanner for dental practices |
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Typically a principal who has decided to stop sending alginate to the lab, or a practice starting to take clear aligner cases in house and needing scans a manufacturer will accept. Referral-heavy implant and restorative practices buy them to cut remakes. We also see two-site owners buying a second wand so the scanner stops being carried between branches in the boot of a car, which is exactly the habit that ends in an insurance claim.
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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.
Generally not if it is billed annually. Funders capitalise the hardware and any perpetual licence sold with it, but a recurring subscription is a service, not an asset, and there is nothing to recover if payments stop. Ask your supplier to split the quote so the fundable hardware total is clear before we approach anyone.
Sometimes. A self-employed associate with a few years of accounts and a stable chair at an established practice can be fundable in their own name, often with a personal guarantee. The obstacle is usually thin filed accounts rather than the asset, so have your self-assessment returns and associate agreement ready.
Most dealers will take the existing wand in part exchange and we would look at settling the original agreement and writing a new one for the replacement. It is worth asking the supplier what the trade-in position looks like before you sign, because that number does more to determine the sense of an upgrade than anything else.
No, it is assessed against the same trading entity, so a group of practices under one company is looked at as a whole. What does change is exposure: a funder that already holds two agreements with you may cap how much more they will write, which is precisely where having sixty-odd lenders to approach helps.
Only to the extent it affects resale. Mainstream brands with a UK service network and an active used market are the easiest to place. A niche import that no UK dealer will refurbish or support gives the underwriter nothing to fall back on, and that occasionally shows up as a lower approval or a request for more deposit.
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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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