Shockwave units sit at the point where a physio clinic purchase becomes big enough for proper asset finance rather than a loan.
Whole-of-market — 60+ lenders searched, including
Yes. Radial pressure wave and focused shockwave devices are fundable, and they are often the first purchase in a physiotherapy or podiatry clinic large enough to justify hire purchase rather than an unsecured loan. The machines are compact, serial numbered and sold through recognised UK distributors, which funders like. The catch is the handpiece: transmitters and applicators wear with use and need replacing periodically, and those are running costs. Buyers also sometimes forget that focused systems cost substantially more than radial ones, which changes the funding route entirely.
Used kit: Yes — used devices around five years old are fundable through dealers, provided the handpiece has been serviced and the brand is still supported in the UK.
Get a quoteor call 07581 364281
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 find this an easy asset to understand: compact, identifiable, supported by UK distributors and with a functioning used market. The borrower type decides the rest. A registered physiotherapist, podiatrist or doctor is treated as a professional covenant, and a clinic with filed accounts will usually be approved quickly. A non-clinical wellness operator buying the same device gets a different reception. Funders pay attention to distributor conduct in this category, because devices are sometimes sold with aggressive income projections attached, and an underwriter assesses the clinic’s actual current income rather than a forecast. Declines tend to involve start-ups with no accounts, unbranded imported units with no UK service, and applicants whose case rests entirely on new patient volumes they cannot yet evidence.
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 |
|---|---|
| Storz Medical Masterpuls MP200 | Radial pressure wave unit for clinics |
| Storz Medical Masterpuls MP100 | Compact radial pressure wave unit |
| Storz Medical Duolith SD1 | Focused and radial combination unit |
| Chattanooga Intelect RPW 2 | Radial pressure wave device on trolley |
| EMS Swiss DolorClast | Radial pressure wave system for clinics |
| Zimmer enPuls Pro | Radial pressure wave unit with handpiece |
| Zimmer enPuls Version 2 | Compact radial pressure wave unit |
| BTL-6000 SWT Topline | Trolley-mounted shockwave device for clinics |
| BTL-6000 FSWT | Focused shockwave device for clinics |
| Gymna ShockMaster 300 | Radial shockwave unit for practices |
Get a quoteor call 07581 364281
Physiotherapy and sports injury clinics adding shockwave for tendon caseload, podiatrists treating heel pain presentations, and musculoskeletal clinics that have been referring patients elsewhere for the treatment. Private urology clinics buying focused systems form a separate, higher value group. The trigger is usually a consistent stream of patients who currently have to be sent somewhere else. Veterinary practices buying equine shockwave units are a small but steady group.
Get a quoteor call 07581 364281
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.
Not harder, but different. Focused units are considerably more expensive, which takes them clearly into asset finance territory and brings more underwriting with it. Radial units are cheaper and sometimes fall below asset finance minimums, in which case an unsecured facility is the simpler route.
The set supplied with the machine on the original invoice normally is. Replacements bought later are running costs and cannot be added to a live agreement. Budget for them separately, as they wear with use and are not optional if you want the device working.
No. Underwriters assess your existing trading income and your ability to service payments from it, not a supplier’s forecast of new patients. Treat those projections as marketing. If the payments only work on projected volume, that is a signal worth taking seriously yourself. Base the decision on the patients already in your diary rather than the ones in the brochure.
It can be done, but you are assessed as a leisure business rather than a clinical one, with a narrower lender pool and usually a personal guarantee. If a registered clinician operates the service within the business, say so, because it changes how the application is categorised.
For an established clinic with clean credit, often within a day or two. Delays usually come from incomplete information rather than underwriting: missing accounts, no formal quote with the model and serial number, or an unclear picture of who is actually borrowing. Send the quote, your last two years of accounts and recent bank statements together and it moves quickly.
Get a quoteor call 07581 364281
See everything we fund in medical, dental and veterinary equipment finance →
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.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.