Podiatry buys in small, sensible amounts, so the trick is grouping a clinic room into one facility rather than three little ones.
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Yes, though a podiatry chair alone is often a modest purchase that funders would rather see bundled with the rest of the room. Electric and hydraulic podiatry chairs, drill and dust extraction units, operator stools, instrument cabinets and a steriliser are typically funded together as a treatment room package. Used chairs are fundable from dealers. The practical catch is that podiatry chairs are heavy and usually bolted or fixed in place, so despite being recognisable equipment they recover poorly, and the clinic’s trading record carries the decision.
Used kit: Yes — used podiatry chairs are fundable from dealers and last well, though most funders prefer them inside a larger schedule rather than as a standalone application.
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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).
HCPC registration gives podiatrists genuine professional covenant status, and healthcare desks recognise it, but the deal sizes are small enough that many asset funders will not engage — so these often land with lenders offering short unsecured facilities priced on the business and the owner’s credit file. Income is typically self-pay and recurring, which reads well because a podiatry list has predictable repeat attendance. Funders will ask about premises: a treatment room inside a rented suite or a shared health centre raises the same questions as any licensed occupancy. Where things fail it is size and credit rather than the asset — a facility too small to interest an asset funder, an applicant with no trading accounts, or a recent default. New clinics are usually fundable with a personal guarantee.
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 |
|---|---|
| Plinth 2000 podiatry chairs | British-made powered podiatry chairs |
| SEERS Medical Clinnova podiatry chair | Powered clinic chair with foot control |
| Namrol Oxford | Powered podiatry chair for clinics |
| Namrol podiatry chairs | Electric chairs for treatment rooms |
| Gharieni MLR Podo | Powered podiatry chair with modules |
| Podotronic MG 2 | Powered podiatry chair unit |
| Podotronic drill units | Dust-extracting podiatry drill units |
| Ruck podiatry chairs and units | German-built chairs and drill units |
| Athlegen podiatry chairs | Powered chairs for clinic rooms |
| Luxo examination lamps | Magnifier and examination lighting |
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HCPC-registered podiatrists opening their own clinic after working in the NHS or for another practice, established clinics adding a second treatment room as demand grows, and practitioners replacing a chair that no longer raises or lowers reliably. Domiciliary podiatrists moving into fixed premises for the first time are a regular enquiry, usually buying a whole room at once. Multi-site practices standardising chairs across clinics make up a smaller share.
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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 is usually the better approach. Chair, drill unit, stool, cabinetry and autoclave on one schedule reaches a facility size more lenders will write, and saves you administering several small agreements that all fall due at different times. It also means one credit search instead of three, which is better for your file.
Usually yes. Your existing self-employed accounts show a trading history, which is the main thing an underwriter wants. Expect a personal guarantee and questions about the premises. A signed lease and a sensible equipment list makes for a straightforward application. Bring your last two years of self-assessment returns and the process is usually quick.
It does. Registration puts podiatrists in the professional category alongside dentists and vets, which opens healthcare desks and generally means less paperwork. It does not override credit history, but it materially changes how an underwriter reads a small clinic application. In practice it means fewer documents requested and a faster answer than a non-clinical business would get.
Yes. It is identifiable equipment with a used market and it belongs with the chair anyway. Including it lifts the value of the schedule slightly and keeps everything on one agreement, which is simpler than adding it later as a separate facility. Extraction matters in a podiatry room anyway, so it is not an item worth deferring.
It can prompt questions, because a licence to occupy with short notice gives a funder little certainty about where its asset will be. It rarely stops an application for a podiatry clinic, but be ready to supply the occupancy agreement and explain the arrangement. A longer notice period or a formal lease removes the question altogether.
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Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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