- Find your professionBack
Find your professionOur tailor-made finance solutions are designed to help facilitate the growth and development of your business.Select your profession
- Finance productsBack
Finance productsOur loan and finance products are designed to make any purchase as easy as possible for both individuals and businesses.See overview
We provide finance solutions for optometrists, opticians and optical professionals designed to assist with the growth and development of your business. Ranging from the acquisition or relocation of a practice, a shop fitting revamp, new optical equipment, or simply a tax loan to meet your tax demand, we have a solution to help.
Grow your optical practice with flexible finance products
Our dedicated team has been providing asset finance and loan products tailored to optical professionals for over 30 years. Braemar Finance take the time to understand your business, whether it’s an independent optometry practice or you’re a high-street optician, ensuring we develop a finance solution that meets your needs.
We offer short and long-term lending options, and our team of in-house underwriters provide quick decisions with the ability to deal directly with multiple suppliers on your behalf, allowing you to concentrate on your day-to-day business.
What we fund:
Owning an optical practice presents both benefits and difficulties
Whether you are purchasing your first practice or expanding your existing portfolio, we provide tailored funding solutions to meet your needs.
Our business and practice loans are suitable for acquiring a stake in or purchasing a new optical business.
Additionally, our low start facility enables customised repayment plans aligned with projected income levels, granting you the flexibility to establish steady cash flow.
Does your practice need an update?
While practice refurbishments can be expensive, a lack of funds shouldn't stop you. Our finance options for optometrists and opticians let you borrow the necessary amount for improvements and pay it back gradually.
Tax bills can weigh heavily on optical practices
We offer Tax Loans to help manage cash flow effectively. The monthly repayments can be tailored to suit your individual circumstances.
As an optician, you might need financing for personal reasons
This could include further education, home improvements, or paying for weddings and school fees. Our Personal Loans can be used for almost any non-business purpose.
We offer financing options for your vehicles, no matter the purpose behind their use
Additionally, financing a vehicle can provide tax advantages, as both the vehicle's purchase price and its maintenance costs may be deductible as business expenses.
In today's competitive market, having the right equipment is crucial for your optical practice
If you don't have the upfront funds, Hire Purchase is a great option as it lets you pay over time, offers tax benefits, and you own the optical equipment once payments are done.
New businesses and acquisitions Whether you are purchasing your first practice or expanding your existing portfolio, we provide tailored funding solutions to meet your needs.
Our business and practice loans are suitable for acquiring a stake in or purchasing a new optical business.
Additionally, our low start facility enables customised repayment plans aligned with projected income levels, granting you the flexibility to establish steady cash flow.
Refurbishment and improvements While practice refurbishments can be expensive, a lack of funds shouldn't stop you. Our finance options for optometrists and opticians let you borrow the necessary amount for improvements and pay it back gradually.
Tax liabilities We offer Tax Loans to help manage cash flow effectively. The monthly repayments can be tailored to suit your individual circumstances.
Personal finances This could include further education, home improvements, or paying for weddings and school fees. Our Personal Loans can be used for almost any non-business purpose.
Vehicles Additionally, financing a vehicle can provide tax advantages, as both the vehicle's purchase price and its maintenance costs may be deductible as business expenses.
Optical equipment If you don't have the upfront funds, Hire Purchase is a great option as it lets you pay over time, offers tax benefits, and you own the optical equipment once payments are done.
Products and services are subject to eligibility, status, terms and conditions and availability. All lending is subject to status and our lending criteria. The right to decline any application is reserved.
Finance is secured against the asset and/or equipment. If you're unable to keep up with your payments we may repossess the asset and/or equipment.
If you miss or expect to miss a repayment under your business/personal/tax loan agreement, please get in touch with us straight away to discuss it with our team. The risks of missing a repayment under your loan agreement are that we may:
- Cancel our agreement with you and require you to repay the full amount of the loan immediately
- Disclose information about your loan to the credit reference agencies
- Set off any amounts you owe us under the agreement against any funds you hold with us in other accounts
- Take enforcement action against you to recover any amounts you still owe if necessary
- Restrict your access to any other credit facilities you have with us and require you to immediately repay those facilities
We understand Opticians
Every year, we conduct independent research that analyses current trends in the optical sector and collects insights from practice owners on various topics, such as their investment outlook and expected business performance. This research helps us shape our strategy and ensures that we stay informed about the opportunities and challenges our customers encounter while growing their businesses.
All figures, unless otherwise noted, are from a Censuswide survey conducted in January 2024, which gathered opinions from over 1,200 senior professionals across the UK on a variety of issues impacting their businesses.
Source: *Braemar Finance SME Data Hub
Related insights
Optical Finance Q&A with Jo Asbury
BLOG27 Feb 2025
25 things we learnt from our Business Barometer
BLOG28 Jun 2024
Opticians cautiously optimistic about 2024
BUSINESS BAROMETER22 Feb 2024
Expert view from the Optical sector
BUSINESS BAROMETER03 Mar 2023
Kicking off our 30th birthday celebration with a charity step challenge!
BLOG09 Jun 2022
Post-pandemic recovery - what Opticians are thinking…
BUSINESS BAROMETER06 Jan 2022
What our customers say
As a relationship-driven business, we value the opinions of our customers to help improve our service and their experience of working with us.
The team act quickly and professionally. They advise well, listen and understand our needs and the nuances involved in business which ensures we reach the right outcome to suit our organisation
The team from Braemar finance is always ready to help. I can discuss my finance at any time, very professional and helpful
Great service and communication
Braemar Finance not only made this transition possible but also seamless. I’m grateful for their support and commitment to my business’s future.
We’ve used Braemar Finance for 20 years for all our finance needs and they have been instrumental in supporting our growth. The team always offers a frictionless experience; they are easy to deal with and funding decisions are very quick.
