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Finance for dentists

New surgery kit, a practice purchase, a refurb, or a tax bill better spread than swallowed — the right finance, introduced through a dental-specialist lender, with your numbers prepared by us first.

Funding, done properly

Borrow well, not just fast

Dentistry is one of the most fundable professions in the UK — which means the risk isn't getting finance, it's getting the wrong finance: the wrong product for the tax position, a term that fights your cash flow, or borrowing that a benchmark check would have halved.

That's why finance sits inside the accounting relationship here. We check affordability against your real numbers, advise on the tax treatment, then introduce you to Braemar Finance — a specialist lender that has funded dental professionals for over 30 years, with in-house underwriters who understand what a dental practice is.

Affordability tested first — against your actual accounts, not optimism
Tax treatment advised — capital allowances, interest relief and timing, before you commit
Application prepared by us — lender-ready numbers keep decisions quick
Specialist lender — dental is a profession they know, not a sector code

Talk about funding

What can be funded

The things dentists actually borrow for

Buying or starting a practice

Practice purchase, buy-ins and squat start-ups — including low-start facilities that shape repayments around income while a new practice builds.

Equipment

Chairs, scanners, CBCT, digital workflow — typically hire purchase, so the cost spreads over its working life and you own it at the end.

Refurbishment

Surgery fit-outs and practice improvements funded over time, so the upgrade happens when the practice needs it — not when cash allows.

Tax & VAT loans

January, July and corporation tax bills spread into predictable monthly payments instead of cash-flow spikes.

Training & development

Funding for further education and courses — implant, orthodontic and specialist training paid for over time.

Vehicles & personal

Vehicle finance and personal loans for non-business needs, from a lender that already understands your income.

How it works

Three steps, no drama

1. Tell us what you're funding. Equipment quote, practice particulars, a looming tax bill — whatever it is, we start from the numbers.
2. We sanity-check it. Affordability against your accounts, the tax angle (HP vs lease, allowances, interest relief), and whether borrowing is even the right answer.
3. We introduce you to Braemar Finance. Your application goes in with the financial picture already prepared — which is exactly what keeps specialist underwriting quick.

Transparency: Accountants for Dentists is an introducer of Braemar Finance. We are not a lender, and we may receive an introducer fee if you take out finance following our introduction — we'll always be open about that. All finance is provided by Braemar Finance and is subject to eligibility, status, terms and conditions and their lending criteria; finance may be secured against the asset or equipment funded. Our advice on whether and how much to borrow is independent of any introduction.

Buying or building? The full context lives in our guides: buying a practice step by step and starting a squat practice.

Finance questions

What dentists ask about finance

Can I finance dental equipment like a new chair or CBCT scanner?

Yes — equipment is one of the most common things dentists fund, usually through hire purchase: you spread the cost over a term that suits, and own the kit at the end. We'll advise on the tax side (capital allowances can make the timing valuable) before you sign anything.

Are tax loans a sensible way to pay my tax bill?

They can be — a tax loan spreads a January, July or corporation tax bill into manageable monthly payments instead of a single cash-flow hit. It's a tool, not a habit: if the bill was a surprise, we'd also fix the forecasting so the next one isn't.

What's better for tax — hire purchase or leasing?

They're treated differently: hire purchase generally gives you ownership and capital allowances on the asset, while lease costs are typically deducted as they're paid. Which wins depends on your profits, timing and the asset — it's exactly the question to ask us before choosing the finance, not after.

Do you receive a commission for introducing me?

We may receive an introducer fee from Braemar Finance if you go ahead — and we'll always be transparent about that. Our advice on whether borrowing makes sense, and how much, comes first; we'd rather talk you out of the wrong loan than collect a fee on it.

How quickly can a dentist get a finance decision?

Braemar Finance underwrite in-house and specialise in healthcare professionals, so decisions are typically fast — often within days for straightforward equipment and loan applications. A clean, well-presented financial picture (which is our job) is what keeps it fast.

Ready when you are

Fund the next step with the numbers done first.

Send us the equipment quote, the practice particulars or the tax bill — we'll tell you honestly whether finance fits, then make the introduction.

Talk about funding Why only dentists

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