Chairs, imaging and CAD/CAM equipment
Spread the cost of surgery equipment, intraoral scanners, CBCT and milling units over a term that matches their working life.
Dental sector finance
Dental practice finance and dentist business loans
Whether you run an NHS, mixed or fully private practice, the kit is expensive and the cashflow is uneven. We arrange practical funding for principals and small dental groups — equipment, refits, hiring and the tax bills that arrive at the wrong moment.
Facilities from £5,000 to £250,000+ over 3 to 72 months. No upfront fees — we are paid by the lender.
FCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
What we fund
How we fund dental practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
Surgery refurbishment and fit-out
Fund a new surgery, a decontamination room upgrade or a full practice refit.
Hiring associates, hygienists and nurses
Cover recruitment and the ramp-up period before a new clinician is fully booked.
VAT, tax and HMRC bills
Spread corporation tax, VAT and personal self-assessment bills monthly instead of paying in one hit.
Practice management software
Fund software, digital workflow tools, patient communications and IT hardware.
Working capital and lines of credit
Smooth out quiet months, UDA reconciliation timing and unexpected costs.
Why Practice Capital
Where the high street stops, we start
Dental lending is a specialism. We work with lenders who understand UDA contracts, private plan income and how a mixed practice actually earns — so the conversation starts from a realistic view of what your practice can support.
- Specialist lender panel
- A quick, personal response from your specialist broker
- We work in the second string, behind the banks — not just A+ credit
- FCA regulated credit broker, FRN 1000382
- No upfront fees — the lender pays our commission
Typical scenarios
What dental clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
Adding a third surgery
A two-surgery practice funded the build, the chair and the associated equipment in one facility.
Tax bill and equipment together
A principal spread a corporation tax bill and a new scanner across two complementary facilities.
Post-acquisition working capital
A newly acquired practice bridged the first few months of trading while patient numbers stabilised.
FAQs
Dental finance questions, answered
- Can I get dental practice finance as a newly qualified principal?
- Often yes, though lenders will look closely at your trading history and the practice's income. Newer principals may need a stronger deposit or personal guarantee. It is worth an enquiry either way.
- Can I fund dental equipment and working capital at the same time?
- Yes. Equipment is usually funded on an asset finance agreement over its useful life, while working capital sits on a separate short-term facility. We often arrange both together.
- How quickly can dental practice finance be arranged?
- Indicative options usually come back within forty-eight hours, and straightforward facilities can complete inside a week once documents are in.
- Do you fund NHS as well as private practices?
- Yes — NHS, mixed and fully private practices. Lenders assess the income mix rather than ruling any model out.
Other sectors we fund
Next step
Find out what your dental practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.