Clinical finance that knows what a CBCT is.
Dental chairs, CBCT scanners, lasers, surgical kit, ultrasound and full practice fit-outs. Funded by lenders who actually understand clinical revenue, NHS contracts and private patient mix.
£36m+
Funded into clinics & practices
60–84mo
Typical clinical equipment term
0%
Deposit on prime clinical kit
120+
Clinical practices funded
If it earns its keep, we've probably funded one.
Dental equipment
Chairs, CBCT scanners, intra-oral scanners (iTero, Trios, Medit), CAD/CAM, autoclaves, OPGs, surgical microscopes.
Medical imaging
Ultrasound, MRI/CT (refurbished), X-ray, mammography, fluoroscopy. Lenders comfortable up to £400k on single units.
Aesthetics & lasers
IPL, fractional CO2, diode hair removal, body contouring, HIFU, picosecond. Soft-asset specialists.
Veterinary kit
Surgical tables, anaesthetic machines, IDEXX/Heska analysers, dental units, ultrasound, digital X-ray.
Practice fit-outs
Full surgery builds, decon rooms, recovery, reception, signage, IT. One agreement covering the whole project.
EPOS & practice management
Software-as-a-finance, clinical PMS (SOE, Dentally, Carestack, Vetsoft), card terminals, telephony.
How healthcare & veterinary deals usually structure.
Typical ticket
£18k – £180k per asset
Range we fund
£10k autoclave → £500k full practice fit-out
Term
36 – 84 months
Deposit
0 – 10%
Structure
Hire purchase for owned-asset write-off; finance lease for evergreening tech (scanners, lasers); sale & leaseback to fund partner buy-ins.
The usual pain.
High-street banks don't get clinical revenue
Generic lenders see 'mixed NHS/private' and lose interest. We use lenders who'll model GDS UDA values, capitation contracts and average private treatment value.
Clinical kit is 'soft'
Lasers, scanners and aesthetic devices have steep depreciation. Mainstream lenders pull back. Our clinical-specialist panel doesn't.
Practice acquisitions are time-critical
Goodwill purchase + asset purchase + fit-out in 90 days. We package the asset side cleanly so the goodwill loan can land in parallel.
How we structure it.
Clinical-specialist underwriting
Three of our lenders do nothing but healthcare. They know the difference between Henry Schein and Dentsply Sirona, and what a fair price is for either.
Associate-friendly
We'll fund self-employed dental associates and locum vets buying their first principal practice — most lenders won't even quote.
Project-based fit-outs
From freehold gut-and-rebuild to part-refurb on a leasehold expansion. We've funded three- and four-surgery dental builds end-to-end.
A real healthcare & veterinary deal we placed.
£94,000
£94k digital dental scanner for a growing practice
A 3-surgery practice wanted an iTero digital scanner to launch a clear-aligner service line, but didn't want to draw on the partner loan facility earmarked for a fourth surgery.
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Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for healthcare & veterinary
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions healthcare & veterinary customers ask.
Can I finance equipment for a practice I'm acquiring?
Yes — and the timing usually works alongside a goodwill loan from a clinical bank. We can issue conditional approval before completion so the kit list is funded the day you take the keys, with rentals starting once you're operational.
Will lenders fund refurbished medical imaging equipment?
On the right brand and with a credible service history, yes. We've funded refurbished CT, MRI and X-ray systems from approved refurbishers. Engineer's report and 12-month warranty usually required.
Can self-employed associates apply?
Yes — we have lenders who'll lend to self-employed dental associates, vet locums and aesthetic clinicians on the strength of UDA history, gross billings and personal credit. Typically requires a personal guarantee.
Is VAT recoverable on clinical equipment finance?
Mostly no — clinical services are largely VAT-exempt, which means VAT on equipment is a hard cost. Hire purchase is generally more efficient than finance lease for VAT-exempt practices because the full cost is capitalised. Always confirm with your accountant.
Ready to fund the next bit of healthcare & veterinary kit?
Soft search. 24-hour decisions. No broker fees, ever.
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