Orthodontist Practice Loans
Orthodontist practice loans fund the purchase of a practice, a PDS orthodontic contract, or the scanner that runs the book. A £20,000 scanner is the case worked through below; a business loan is the usual facility for the goodwill, because a patient list doesn't secure the debt.
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
When does an orthodontic practice loan help?
A scanner at £20,000, on a 4-year equipment agreement at an illustrative 10% a year, is £507 a month. You pay £24,348 in total, so the credit costs about £4,348; tips, software and cloud storage sit outside that repayment. Pay cash if you have it and you'll keep the scanner; finance it if the cash would otherwise clear the lab bill that's due before the case finishes.
Providers
Which facility fits an orthodontic practice?
A goodwill loan for the practice
Use this to buy the practice and the contract, once you know whether the NHS orthodontic contract actually transfers.
Asset finance for the scanner
Use an equipment agreement for the scanner, the chairs and the imaging, on a term you can live with when the hardware dates.
Working capital for lab bills
Use a short facility when you pay the lab, or the aligner maker, months before the patient finishes paying you.
This isn't a general dental purchase; those sit on business acquisition finance for dentists. Scanners and chairs, once you have decided to buy them, sit on equipment finance for orthodontic practices. The map of clinical professions is healthcare finance.
The concession is cash already in the practice. If the scanner wouldn't strain the lab account, paying cash is cheaper than £4,348 of credit.
How do you get an orthodontist practice loan?
Split the contract, the list and the kit
Say what you're paying for goodwill, what is stock or lab work in progress, and what is a scanner on a quote. One blended price is hard to fund.
Send the GDC number and the contract
Add accounts, the UOA schedule if there's NHS work, and the associate agreement if you're buying in rather than buying the whole practice. A supplier quote covers the scanner on its own.
Check the handover before you draw
If the seller is the only treating orthodontist, agree how long they stay; the profession set, including this page, is on healthcare finance.
You're adding a scanner to a practice you already own. Fund the machine on its own agreement, and leave the lab account alone.
You're buying a PDS practice where the principal retires on completion. Price a locum into the profit before you agree the loan.
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Extra bits you might find useful..
Questions orthodontists ask before they borrow
Purchase finance and a scanner agreement fail for different reasons. Keep them apart.
How should a lender treat private aligner income next to NHS units?
As two streams. NHS units follow the contract and the age-band multipliers; aligner fees follow plans and referrals. A file that blends them into one turnover number hides the risk.
Show both. A lender who can see the contract value, and the private plan income beside it, can price the goodwill. A single sales line can't.
Why do cases make the cash feel late?
You do the work, or you start the case, and a large part of the fee arrives later. Lab bills and aligner invoices often arrive first; a busy book can still miss a payment.
A short facility covers that gap. It doesn't fix a practice that starts cases it won't finish.
What deposit and paperwork does a buyer need?
Expect accounts, the contract paperwork, a GDC number, and a clear story on who treats after completion. Personal credit matters more when you haven't owned a practice before.
An agreement in principle isn't completion. A contract that doesn't transfer, or a valuation that comes in low, can still stop the drawdown.
When is the equipment page the right next step?
When the decision is the scanner, the chairs or the imaging, and the practice itself isn't for sale. Open equipment finance for orthodontic practices with the supplier quote.
Come back to this page if the price includes goodwill or a PDS contract. Those aren't kit.
Fund the row you're actually buying. A scanner agreement won't pay the seller for the contract.
Related clinical practice guides
Dental practice purchases are business acquisition finance for dentists. The kit page is equipment finance for orthodontic practices; all clinical professions are on healthcare finance.
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