Whether it is a fixed table in a small animal practice or a portable set going out to yards, vet radiography funds cleanly.
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Yes. Veterinary radiography is funded routinely, and vets are treated as a professional covenant in much the same way as dentists and doctors. Fixed generators with a floating table, flat panel DR detectors, portable equine sets and computed radiography readers can all go on one schedule. The detail worth knowing is that the DR panel is often the most valuable single component and is also the item most likely to be damaged by a dropped or kicking patient, so funders expect it to be properly insured and will still want payments if it is broken.
Used kit: Yes — refurbished generators and reconditioned panels around five to eight years old are fundable when a recognised veterinary imaging dealer supplies and installs them.
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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).
Vets sit in the favoured professions bracket and several funders operate healthcare desks that will underwrite an RCVS-registered practice quickly. The asset splits: a portable equine set is movable, saleable and easy to secure against, while a fixed generator bolted into a shielded room in a leasehold building is a fixture with weak recovery. The bigger dynamic is ownership. Corporate consolidation means a sizeable share of UK practices now sit inside groups, and a funder underwriting a branch of a large group is really underwriting the parent, which usually simplifies things. Independents are judged on their own accounts. What gets declined: practices with no RCVS registration in place, portable kit going to an applicant with no fixed premises, and used panels bought privately with no service record.
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 |
|---|---|
| Examion X-DR Vet | Digital radiography detector and software package |
| Fujifilm FDR D-EVO III | Portable wireless flat panel detector |
| Canon CXDI-410C Wireless | Portable digital radiography detector |
| Carestream DRX detectors | Wireless digital radiography panels |
| Konica Minolta AeroDR panels | Wireless flat panel detectors |
| Sedecal Neovet | Veterinary X-ray table and generator |
| IMV imaging portable equine set | Portable X-ray kit for equine work |
| Eickemeyer portable X-ray generators | Handheld and portable generator units |
| Burtons veterinary X-ray systems | Tables, generators and detector packages |
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Independent small animal practices replacing a film or CR setup, usually when the processor finally dies or the images stop being good enough for referral work. Equine and mixed practices buying portable generators and panels for yard visits are the second group. We also see new start practices set up by assistants leaving corporate ownership who want their own imaging from day one rather than referring everything out.
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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 portable kit is often easier to place than a fixed installation because it can be recovered. Funders will ask where the asset is normally kept and expect it to be insured while in transit, since a generator living in a vehicle is exposed to theft in a way a fixed table is not.
Normally the entity that owns the practice and will use the equipment, which in a group is often a central company rather than the branch. That usually helps, because the underwriter assesses a larger, better documented balance sheet. Tell us the structure early so we approach the right funders.
It needs to be specified properly on your equipment policy, which is not always the same thing. Panels are the most frequently damaged item in veterinary imaging and standard contents cover can leave gaps. The finance agreement will require insurance, so it is worth checking the wording covers accidental damage in use.
It can be, on the strength of the vet’s professional registration, employment history and a credible plan, usually with a personal guarantee. Imaging bought as part of a wider start-up package tends to go through more easily than a large standalone imaging purchase in month one.
A proportion often can, if it is invoiced alongside the equipment. Lead lining and structural work is soft cost that the funder cannot recover, so there is a limit to how much rides along. Freehold premises make the conversation easier than a short lease. Where the shielding contractor bills separately, send us both quotes so we can see the full project before approaching a funder.
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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.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.