How we work
Buy dental equipment without tying up your cash
Asset finance lets you spread the cost of dental equipment over an agreed term, rather than paying the full amount upfront.
We compare options across specialist dental lenders, mainstream banks and challenger banks to find suitable rates and terms for your practice.
For established practices buying standard equipment, finance can often be arranged within days.
How we charge – and how we don’t
Asset finance brokerage is free to you. We’re paid commission by the lender on completion, and we tell you what we’re being paid in writing before you sign anything.
What we finance
Finance for the equipment your practice needs
CBCT and digital imaging
CBCT scanners, digital x-ray systems and other diagnostic imaging equipment from a wide range of dental suppliers.
Dental chairs and treatment units
For new surgeries, practice expansions, refits or replacing existing chairs and treatment units.
Intraoral scanners
Including iTero, TRIOS, Medit and other leading intraoral scanning systems.
Practice management software and IT infrastructure
Practice management software, servers, workstations and wider IT infrastructure for new or existing practices.
Sterilisers and decontamination equipment
Autoclaves, washer-disinfectors and other sterilisation and decontamination equipment.
Other practice equipment
Vehicles, cabinetry, suction systems, compressors, x-ray equipment and other eligible business assets.
Need something else? We can support a wide range of business equipment purchases, so speak to us about what you are planning to buy.
Samera Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA), FRN 757431, and is a member of the National Association of Commercial Finance Brokers (NACFB).
Save on equipment
Reduce the cost with the Samera Alliance
Samera Alliance buying group is our free network for independent UK dental practices, giving members access to discounted pricing from selected suppliers.
If the equipment you’re buying is available at a member discount, you can finance the lower purchase price, reducing both your repayments and total interest.
- It’s free. No membership fee, no contract, no minimum spend. Sign up, your profile gets registered with the network, you get access to the member pricing.
- It’s independent of the finance brokerage. You can join the Alliance without using us for finance. You can use us for finance without joining the Alliance. The two services run separately and one doesn’t trigger the other.
- It’s open to non-clients. You don’t need to be a Samera accountancy client or a finance brokerage client to join. Open to any independent UK dental practice.
Find out more about the Samera Alliance.
Process
From enquiry to funding in five steps
- Tell us what you’re buying: Share the equipment, supplier, price and timescale.
- We compare lenders: We assess suitable specialist, mainstream and challenger lenders and present the available terms.
- You choose how to proceed: We talk you through the options so you can decide what works best for your practice.
- We manage the application: We prepare and submit the application and deal with the lender through to approval.
- The supplier is paid: Once approved, the lender pays the supplier directly and your repayments begin.
Who you’ll work with
Speak directly to a dental finance specialist
Book a free, no-obligation consultation with Uros Turcic, our Commercial Finance Broker.
Commercial Finance Broker
- Dental equipment finance
- Practice acquisition and property finance
- Practice start-up finance
- Refinancing
- Joining the Samera Alliance
Get in touch
Other ways to reach us
Prefer not to book a call? You can also get in touch directly or send a message and we’ll get back to you.
- Email: info@samera.co.uk
- Phone: (+44) 20 7100 8788
- WhatsApp: Message us on WhatsApp
Recent deals
What we’ve placed for dentists
A few examples of equipment finance we’ve arranged for UK dental practices. Client details have been withheld.
We Sourced
£53,000
Asset finance for the equipment in a private start-up practice based in Warwickshire.
We Sourced
£98,000
Asset finance for the equipment in a two-surgery Thames Valley squat – alongside a separate £235k commercial loan for the premises.
We Sourced
£25,000
For the purchase of equipment for an established dental practice based in Suffolk.
Asset finance case studies
Clients say
What dentists say about our finance support
Worked very hard to help us complete our arrangements. We presented him with several issues that he managed to find a solution to every time and always gave us the best way possible. Always professional, efficient and helpful in our dealings with him.
Anonymous – 5 Stars
Very quick to get me the finance I had struggled for several years to get. I will definitely be using this service again in the future!
Michael, Dentist – 5 Stars
…His extensive industry connections enable him to find the best deals available, and his responsiveness and approachability make the entire process seamless. Highly recommended for anyone in need of a reliable finance broker!
Mahinthan, Dentist – 5 Stars
Very helpful in setting up finance and giving good all round advice about the process.
Mat, Dentist – 5 Stars
Related services
Other ways Samera supports dental practices
Dental practice finance broker
Support with acquisitions, equipment, property, working capital and other practice funding needs.
Practice start-up
Support with setting up a new dental practice, including business plans, financial forecasts, funding and premises
Refinancing
Review existing loans and commercial finance against other available options.
Property finance
Commercial mortgages and property funding for dental practice premises.
Frequently asked questions
Common questions about dental asset finance
What types of dental equipment can be financed?
Most dental equipment and other tangible business assets can potentially be financed, including CBCT scanners, intraoral scanners, dental chairs, sterilisers, IT equipment and practice vehicles.
Finance may also be available for x-ray equipment, lasers, microscopes, compressors, suction systems, cabinetry and surgery fit-outs.
If you are unsure whether a particular purchase can be financed, speak to us and we can check the available options.
What’s the difference between hire purchase and leasing?
Hire purchase usually allows you to own the equipment at the end of the agreement, while leasing allows you to use the equipment for an agreed period under the terms of the lease.
The right option depends on the equipment, how long you expect to use it, your cash flow and the tax treatment.
We can explain the finance options available, while your accountant can advise on the tax implications for your practice.
Are there any fees for the asset finance brokerage?
No, we do not charge you a brokerage fee for arranging asset finance.
We are paid commission by the lender if your finance completes, and we disclose the commission to you before you proceed.
How quickly can asset finance be arranged?
Dental equipment finance can often be arranged within days for established practices purchasing standard equipment.
Applications involving common purchases such as dental chairs, scanners and CBCT equipment can often be relatively straightforward.
Larger or more complex purchases may take longer depending on the lender, the equipment and the information required.
Do I have to use a specific dental equipment supplier?
No, you do not have to buy your equipment from a specific supplier to use our asset finance service.
We can arrange finance for purchases from a wide range of dental equipment suppliers and are independent of equipment manufacturers.
Tell us what you are buying, the supplier and the purchase price, and we can compare suitable finance options from our panel of lenders.
How much can I borrow for dental equipment?
You may be able to finance up to the full purchase price of dental equipment, depending on the lender, the equipment and your practice’s circumstances.
The amount available will depend on factors such as the purchase price, type of asset, practice finances and lender criteria.
Larger purchases or more complex facilities may require a deposit or additional security.
Can I finance multiple assets in one go?
Yes, multiple pieces of dental equipment can often be financed together under one facility.
For example, a practice may finance dental chairs, scanners, IT equipment and other surgery equipment as part of the same purchase.
Whether the assets can be combined into one agreement will depend on the lender, suppliers and structure of the transaction.
Can a new dental practice get equipment finance without trading history?
Yes, equipment finance may be available to a new dental practice even if it does not yet have an established trading history.
We regularly help dental start-ups arrange equipment funding alongside other requirements such as premises, fit-out and working capital.
If you are planning a new practice, our Practice Start-up service can also help with business planning, financial forecasts, funding and the wider launch process.
Can I refinance an existing asset finance agreement?
Yes, refinancing an existing asset finance agreement may be possible, although it will not always make financial sense.
Asset finance agreements are commonly relatively short term, so the potential saving needs to outweigh any costs or disadvantages of replacing the existing facility.
We can review your current agreement against the available options and tell you whether refinancing is worth considering.
Further reading
Related finance guides
A Guide to Asset Finance for Dentists
How asset finance works for dental practices, including hire purchase, leasing, term lengths and tax considerations.
How to Finance a Dental Practice
A broader guide to dental finance, covering acquisitions, equipment, property, refinancing and working capital.
A Guide to Start-up Finance
The funding you may need to launch a dental practice, from premises and fit-out to equipment and working capital.
Read all of our finance guides
Speak to a specialist in financing dental equipment
Tell us what equipment you’re buying, the supplier and the approximate cost. We’ll compare suitable options across our panel of lenders and guide you through the application.
Our asset finance brokerage service is free to you, with our fee paid by the lender on completion.