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Dental practice finance

We offer tailor-made tax efficient solutions. Our team of dental finance specialists understand the financial challenges and opportunities within the dental sector.

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Dental finance designed to help your practice succeed

Our dental finance solutions are designed to assist with a variety of requirements. Are you an associate looking to start up a new business or an established business wanting to upgrade your equipment?  Do you need a loan to pay your tax bill?  Do you want to offer your patients manageable monthly payments to fund their treatment plans or the procedures they need?

You can always expect a speedy response from our in-house underwriters, who have the ability to deal directly with multiple suppliers on your behalf, allowing you to concentrate on your day-to-day business.

BDIA Affiliate Member

As an affiliate member of BDIA we benefit from exclusive access to statistics, research and surveys commissioned by the BDIA. They retain the expertise of external consultants to provide advice to members on technical, standards and regulatory issues. 

BDIA Affiliate Member

Dental finance agreement types

Our range of Leasing, Hire Purchase and Loan products allow for fixed monthly repayments enabling you to budget with confidence whilst enhancing your cash flow.

    Hire Purchase

    Hire Purchase allows outright ownership of the asset and enables you to spread the cost over a term that suits you.

    • Expenditure may be allowable against taxable profit within your Annual Investment Allowance in the year of purchase to the sum of £1,000,000
    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • Interest charges can be offset against profits for taxation
    • Outright ownership on completion of the agreement
    Leasing

    If you want to maximise the use of your equipment without the responsibility of owning it, leasing will give you the freedom and flexibility you need.

    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • No upfront deposits required
    • Protection of existing credit lines, making any further borrowing easier
    • Fixed payments - tailored to suit your individual circumstances
    • Tax efficient - repayments may be offset against taxable profit
    • Up to date equipment - be ahead of your competitors
    Tax loans

    Tax loans permit you to spread the cost of your tax demand into affordable monthly payments.

    Benefits of a tax loan:

    • Control of cash flow
    • Fixed monthly payments
    • Faster Payments
    • Protects existing bank facilities
    • Quick and simple to arrange
    • Flexible repayment terms
    • HMRC receives payment on time
    Personal loans

    A personal loan is a form of borrowing that can be used for virtually any purpose which is both easy and convenient and allows you greater flexibility.

    Personal loans can be used for purposes such as:

    • Tax bill funding
    • School fees
    • Home improvements
    • Weddings
    • Holidays
    Consolidation loans

    If you have a number of existing agreements, credit card balances and other regular finance overheads, a consolidation loan may be the way forward.

    Benefits of consolidation and refinancing:

    • Combines finance commitments
    • One monthly payment
    • Term of agreement to suit
    • Simplifies cash flow
    • Improved budget control
    Business loans

    When buying into or starting up a new business, you may need to borrow funds to support the purchase or invest in renovation.
     
    Business loans can be used for:

    • Acquisition finance
    • Refurbishment project
    • Capital injection / release
    • Buy in / buy outs

    Typical uses for finance in the dental profession

      Equipment finance

      Specialist equipment is vital to the functionality of the dental profession. We offer funding for a wide range of equipment including X-Rays, scanners, imaging units to IT and office systems, as well as funding for a total refurbishment.  We can also deal directly with suppliers on your behalf, allowing you to concentrate on your daily business.

        We fund equipment such as:

        • Treatment centres
        • Cabinetry or practice furniture
        • Loupes and handpiece systems
        • Imaging units
        • CAD/CAM systems
        • Compressors and articulators
        • Decontamination equipment
        • Digital X-Rays
        • Sterilising units
        IT finance

        Our IT finance solutions ensure that the applicable tax advantages are taken into consideration when looking at the funding you require. All related costs can be combined under one agreement, offering easier management of your cash flow.

          IT finance can be used for:

          • Updating hardware / software
          • New monitors, keyboards and mice
          • Scanners / photocopying machines
          • Tablets and iPads
          • Operating licences and renewals
          • IT system installation
          • Training
          • Maintenance
          Patient finance

          We provide an easy-to-use online solution that offers your patients manageable monthly payments to fund their treatment plans or the procedures they need.  The online application is quick and easy to use with instant decisions, allowing your patient to make a follow up appointment immediately.

          Find out more about Patient Finance

          Benefits to your business include:

          • Fast payments – 72 hours following fulfilment
          • Flexible terms – Loans from £250 - £60,260 and terms 6-60 months
          • Market leading acceptance rate – using our advanced scorecard
          • Full finance solution – business and personal finance facilities
          • Unique account management – face-to-face meetings to drive performance
          • Scheduled reports – delivered daily, straight to your inbox
          • Unique data analysis and client profiling – deep-dive data insight using advanced tools
          • Access to subject matter experts – analytics, marketing and compliance experts to call on
          Vehicle finance

          We are experienced in all aspects of new and used vehicle finance. We can help you upgrade your existing vehicle, buy an additional car or a fleet for your business and we can provide a finance package, incorporating balloon payments or refinancing, whatever your circumstances require.

            Vehicle finance can be used for:

            • Buying a second car
            • Change of existing vehicle
            • Purchase of a classic car

            Contact us today

            Find out how we can help you today.

            Get in touch

            Dental finance client testimonials

            I have been qualified about 25 years and have always bought things outright, against the advice of my accountant!
            However, for a recent renovation/major refurbishment at one of my practices I heeded my accountant's advice and looked at finance options. Many of my colleagues had used Braemar Finance in the past and were delighted. So I approached them and was very impressed - they were efficient, quick and offered a fabulous tailor-made finance option for my refurb. They also did this seamlessly. I would recommend using Braemar Finance for all your financing needs.

            Jag Shergill BDS, MSc

            Cosmetic, Implant ,"All-on-4" Dentist

            Braemar Finance understand dentistry and the need for a speedy decision, I was shocked by how easy and stress free the process was.
            I will use Braemar in the future should I need finance to grow my practice further and would recommend Braemar Finance to any colleague who would rather spend time on growing their business than waiting on their bank.

            Diamond Dental

            Glasgow

            I was introduced to Colin Cornish of Braemar Finance for dental financing some years ago. I had only dealt with banks before, and after some difficult dealings with them over the past 10 years I have found Colin and Braemar a delight to do business with.
            Unlike dealing with a bank, financing with Braemar is effortless. With banks the hidden cost is in the lost time it takes to arrange the finance with the huge amount of paperwork and security required. There is no comparison, go with Braemar Finance and cut lost time and hassle.

            Dentist

            Harley Street, London

            We have dealt with Braemar over our last expansion programme.
            Gail and Braemar are always helpful and supportive, keeping us up to date as we went through the process and have never let us down. Gail was always able to visit at short notice and spend time going over the documents. For our next expansion we know where we will be going!

            Jason Tyszko - Clinical Director

            Oral design Scotland, Cosmetic Dentistry and Implant Clinic

            I have found that Braemar Finance provide a professional, transparent and personal service, which is advantageously supported by their own in-house underwriting facility.

            Dr Phil Evans

            Techceram Ltd

            I've had nothing but wonderful service from my area manager and Braemar, so hopefully I'll be able to give you some business again in future. Thanks again.

            Syed Yusef Ali

            Ivy House Dental Practice, Ramsgate

            Braemar Finance has always been only a phone call away. Whether the loan is for business development, tax due or car finance, the advice and loan facility is readily available.
            There is simply no comparison between Braemar and the local bank, Braemar has won hands down on every occasion. Personally my local Braemar manager is my first port of call for borrowing purposes.

            Jan Skrybant

            Dentist, Birmingham

            I have been very happy with the service I have received from Braemar over the years.
            Being a direct funder they offer a good range of finance products that have always fitted my requirements. A friendly and professional team that has been available to offer advice and support whenever I have needed it.

            Stephen Wood

            Stable Court Dental Practice, Holmfirth

            I have dealt with Braemar Finance for over four years now and I can honestly say that the whole company is exceptionally helpful and will go the extra mile to ensure that all transactions are carried out efficiently and professionally.

            Jane Aston

            Hallcross Dental Practice, Leicestershire

            The whole team is very professional and nothing is too much trouble for them to help you get on with your dentistry while they help sort out the finance.
            I have been using their services for over 10 years now and I highly recommend them.

            Hani Namih BDS

            West Browmwich

            I have been a client of Braemar since I became a practice owner. It has always been a pleasure to deal with Braemar over the years.
            I am very happy to recommend your personal and very prompt service to my colleagues every time.

            Lynda Allman

            Acomb Dental Practice, York

            Thank you very much for your excellent hassle free service in organising the finance so quickly and efficiently, it is very much appreciated.
            I will certainly use your company again if required.

            Dr Andrew Ross BDS

            Surrey

            I've always been impressed by the utmost professionalism and sheer efficiency of Braemar Finance.
            Having used them for a variety of purposes over the last 13 years, they have become my first call whenever I need to consider a finance option.

            Simon Thackeray

            Dentist

            Having enlisted the services of Braemar Finance to assist us expand our dentistry business, we found them to be extremely responsive, professional, competitive and totally focused on providing an excellent service.
            I would consider their rates to be market leading and that coupled with superb customer service. Braemar will always be our first port of call. Steve Forsyth in particular has been excellent and is a great communicator. 5* service and we unreservedly recommend them as a great financial partner.

            Charles Fox

            Hartley Dental, Plymouth