Equipment funding
Asset Finance for Dental, Medical and Surgical Equipment
Fund chairs, imaging, scanners, mills and decontamination plant over their working life — and keep the cash in the practice where it earns.
The proposition
Equipment should pay for itself out of the income it creates
A CBCT unit, a chairside mill or a new surgery fit-out earns from the week it is commissioned. Paying for it out of reserves takes cash out of the practice years before the asset has finished earning — and leaves nothing for the opportunity that turns up next quarter.
Asset finance matches the cost to the working life. Hire purchase builds ownership and gives you the capital allowances; an operating lease keeps the asset off balance sheet and hands the residual risk to the funder. For fast-moving digital equipment, that residual question is often the deciding factor.
Because the equipment itself is the security, underwriting is quicker and lighter than a term loan, and the practice’s wider borrowing capacity stays untouched for acquisitions or premises.
Eligible assets
What we fund
Almost anything with a serial number and a resale market can be funded, new or used, from a single dealer invoice or across a full turnkey fit-out.
Where a supplier offers its own finance, bring us the quotation. In-house schemes are convenient but rarely competitive once the documentation fee, the option-to-purchase fee and the interest rate are read together.
- CBCT, OPG and digital radiography systems
- Dental chairs, delivery units and full surgery fit-outs
- Intraoral scanners, chairside mills and 3D printers
- Autoclaves, washer-disinfectors and decontamination rooms
- Surgical lasers, ultrasound and diagnostic equipment
- Practice management software, IT infrastructure and phone systems
- Commercial vehicles for domiciliary and mobile services
Client outcomes
Why principals choose asset finance over cash
Reserves stay liquid
A £60,000 scanner funded over five years costs roughly a day of surgery time a month, and leaves the deposit for a practice purchase intact.
Tax treated efficiently
Hire purchase generally attracts capital allowances on the full cost while the interest element is deductible. Your accountant will confirm the position for your structure.
Obsolescence handed over
Leasing digital equipment with an upgrade clause means the funder carries the residual risk on technology that moves every three years.
At a glance
Indicative terms
- Asset value
- £5,000 upwards. No practical ceiling on a syndicated or multi-asset facility.
- Deposit
- Nil to 20% depending on asset type, age and covenant. Nil-deposit structures are common for new equipment.
- Primary period
- 24 to 84 months, aligned to the expected working life of the asset.
- Structures
- Hire purchase, finance lease, operating lease and sale-and-leaseback on equipment already owned.
- VAT
- Deferral and VAT-funded options available so the reclaim is not funded from working capital.
- Refinance
- Existing owned equipment can be refinanced to release capital for a deposit or a fit-out.
Related funding lines
Questions
Asset Finance — frequently asked questions
Hire purchase suits equipment you intend to keep past the end of the term — chairs, cabinetry, autoclaves, surgical instruments. You own it at the end and generally claim capital allowances on the full cost.
A lease suits equipment you expect to replace — intraoral scanners, mills, imaging software. Rentals are treated as an operating expense and the funder carries the residual value risk. We model both before you commit.
Yes. Sale-and-leaseback releases capital from unencumbered equipment, most often to fund a deposit on a practice purchase or a premises acquisition. The equipment stays where it is and you continue using it; the funder takes title and you pay a rental.
It is a useful lever when a practice acquisition needs a larger contribution than the bank statements alone will support.
Yes, subject to age and condition. Most funders will look at equipment up to around seven years old, with the term shortened so the facility always sits comfortably inside the remaining working life. A recent service history and a dealer refurbishment warranty widen the options considerably.
Next step
Send us the equipment quotation
Forward the supplier proposal and we will come back with hire purchase and lease options side by side, with the true cost of each set out in full.
Prefer to write? Send an enquiry or email info@apexfundingpartners.co.uk.