OCT, dispensing and myopia-management tech
Fund clinical equipment that supports better outcomes and higher-value services.
Optical sector finance
Optical practice finance and optician business loans
Independent optometrists compete on clinical quality and service, but that takes equipment, stock and a practice that looks the part. We arrange funding for the kit, the frames and the everyday cashflow behind it.
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 optical practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
Frames stock and inventory
Fund larger or premium stock purchases without draining working capital.
Refurbishment and rebranding
Cover a practice refit, new dispensing area or a full rebrand.
Staff hires and expansion
Fund additional optometrists, dispensing opticians and support staff.
Practice management software
Fund clinical records systems, patient recall tools and IT hardware.
Working capital and tax bill funding
Spread VAT, corporation tax and personal self-assessment bills monthly.
Why Practice Capital
Where the high street stops, we start
Optical practices carry a lot of value in stock and equipment, which banks often undervalue. We work with lenders who understand the model and can fund both the clinical kit and the trading side of the business.
- 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 optical clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
OCT purchase
An independent funded an OCT scanner over five years, supported by the additional service income it enabled.
Refit and stock together
A practice funded a dispensing area refit alongside a premium frames order in one facility.
Second test room
A growing practice funded a second test room and the hire of a part-time optometrist.
FAQs
Optical finance questions, answered
- Can I finance an OCT scanner?
- Yes. Clinical equipment such as OCT is typically funded on asset finance over three to seven years, matching the repayment to the service income it supports.
- Can frames stock be funded?
- Yes. Stock purchases are usually funded on a short-term working capital facility or a revolving line of credit rather than asset finance.
- Do you fund independents or only groups?
- Independents are the majority of our optical work. Small groups are equally welcome.
- How long does it take?
- Indicative options usually within forty-eight hours, with completion often inside a week for straightforward facilities.
Other sectors we fund
Next step
Find out what your optical practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.