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Which Lenders Offer the Best Finance for Orthodontists?
Orthodontists fund chairs, imaging, aligner workflows and practice buy-ins. Dental and clinical practice lenders sit beside healthcare asset desks on most shortlists.
Use equipment finance for orthodontic practices, then compare professional practice loans and healthcare finance.
We compare UK lenders relevant to orthodontic finance. Every facility, term, rate and speed figure below comes from the Funding Agent lender database (checked on 6 November 2026). Lenders without a full published metric set are left out. Approval isn't guaranteed.
| Lender | Facility | Term | Speed | Best for |
|---|---|---|---|---|
 Aldermore Asset Finance | £1,000 to £10,000,000 | 12 to 84 months | 48 hours | Hire purchase and asset refinance across vans, plant and clinic equipment. |
 Ultimate Finance | £10,000 to £10,000,000 | 1 to 84 months | 24 hours | Asset and invoice finance for clinics that need kit and cash-flow cover. |
 Close Brothers | £25,000 to £100,000,000 | 12 to 84 months | 24 hours | Larger asset and invoice facilities where turnover and security support mid-market tickets. |
 Bibby Financial Services | £10,000 to £5,000,000 | 12 to 84 months | 24 hours | Asset refinance and hire purchase plus invoice finance where debtors support cash flow. |
 Nationwide Finance | £10,000 to £500,000 | 12 to 60 months | 24 hours | Asset finance and refinance including contract hire where the asset fits. |
 Funding Circle | £10,000 to £750,000 | 1 to 24 months | 48 hours | Unsecured and term loans for established practices funding growth. |
 Shawbrook | £25,000 to £350,000 | 12 to 60 months | 2 days | Term loans for established SMEs where security or track record supports the case. |
 LendingCrowd | £75,000 to £5,000,000 | 12 to 60 months | 24 hours | Secured and unsecured business loans for established limited companies. |
 Tide Bank | £500 to £20,000,000 | 12 to 180 months | 24 hours | Bank business loans and asset finance including short-term and working capital products. |
 Tower Leasing | £5,000 to £1,000,000 | 24 to 60 months | 2 days | Asset finance for equipment and related tickets in its published band. |
What finance do orthodontists usually need?
Typical needs include:
- Clinical equipment: chairs, imaging and digital workflow kit.
- Practice purchase or buy-in: capital through practice lenders.
- Fit-out and growth: rooms and working capital beside the asset book.
How do orthodontists compare finance offers?
- Split equipment schedules from practice purchase capital.
- Prepare dental or clinical practice accounts.
- Ask practice and asset desks for written illustrations.
- Compare total repayable, fees and security.
- Align completion with supplier and completion dates.
Related reading: equipment finance for orthodontic practices, healthcare finance, professional practice loans, asset finance.
Funding Agent
Lender panel150+ lenders
Average time to funding48 hours
Why it is included: Orthodontic finance often mixes chairs, imaging and buy-in capital, so a panel can reach practice and asset desks together.
Funding Agent is a UK lender and a broker. It can lend directly and also works with a panel of 150+ lenders across business loans, asset finance and invoice finance, so one enquiry can reach several practice and equipment funders.
Best use case: When you'd rather compare practice and equipment options without applying one by one.
More info
Why it stands out
- A panel of 150+ lenders
- Business loans, asset finance and invoice finance
- An average of 48 hours to funding
Need to know
- Funding Agent is a UK lender and a broker.
- Where Funding Agent lends, it sets the rate, term, fees and decision. Where another lender provides the finance, that lender sets them.
- Approval isn't guaranteed.
Expert take
If a buy-in date is fixed, get several illustrations before you commit to a single hard search.
Aldermore Asset Finance
Published facility range£1,000 to £10,000,000
Term12 to 84 months
Overview: Aldermore Asset Finance is in the lender database with hire purchase, finance lease, asset finance and refinance. Metrics below are from that record.
Best next step: Ask for hire purchase or refinance terms against the asset and settlement figure.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £1,000 to £10,000,000
- Funding speed in the lender database: 48 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Aldermore Asset Finance is a fit when the asset is clear and you want a specialist asset desk.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Ultimate Finance
Published facility range£10,000 to £10,000,000
Term1 to 84 months
Overview: Ultimate Finance is listed in the lender database with asset finance alongside invoice and trade products. Facility and term bands below come from that database.
Best next step: Match the facility to the asset invoice or debtor book you need to fund.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £10,000 to £10,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Ultimate Finance works when a practice needs both equipment finance and working capital options.
Close Brothers
Published facility range£25,000 to £100,000,000
Term12 to 84 months
Overview: Close Brothers appears in the lender database with asset finance, refinance, hire purchase and invoice products. Metrics below are from that record.
Best next step: Prepare turnover and asset details before you ask for terms.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £25,000 to £100,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Close Brothers fits established practices seeking larger asset or invoice facilities.
Bibby Financial Services
Published facility range£10,000 to £5,000,000
Term12 to 84 months
Overview: Bibby Financial Services is in the lender database with asset finance, asset refinance, hire purchase and invoice products. Metrics below are from that record.
Best next step: Choose asset refinance or invoice finance based on whether the need is kit or debtors.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £10,000 to £5,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Bibby fits businesses that may need asset refinance alongside receivables finance.
Nationwide Finance
Published facility range£10,000 to £500,000
Term12 to 60 months
Overview: Nationwide Finance is in the lender database with asset finance, refinancing, contract hire and invoice products. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Share the asset schedule or settlement figure for an illustration.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £10,000 to £500,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Nationwide Finance suits businesses that need asset finance or refinance with published facility and term bands.
Funding Circle
Published facility range£10,000 to £750,000
Term1 to 24 months
Overview: Funding Circle is onboarded in the lender database with unsecured loans, term loans and revolving credit. Metrics below are from that record.
Best next step: Ask about a term loan or revolving facility against your filed accounts.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Growth Guarantee Scheme Loan
- Published facility range: £10,000 to £750,000
- Funding speed in the lender database: 48 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Funding Circle fits practices that want a term loan rather than asset-backed finance.
Shawbrook
Published facility range£25,000 to £350,000
Term12 to 60 months
Overview: Shawbrook is onboarded in the lender database with term loans and unsecured business loans. Metrics below are from that record.
Best next step: Check term loan criteria against your accounts and security position.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Term Loan
- Published facility range: £25,000 to £350,000
- Funding speed in the lender database: 2 days
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Shawbrook suits professional practices seeking a specialist bank term loan.
LendingCrowd
Published facility range£75,000 to £5,000,000
Term12 to 60 months
Overview: LendingCrowd is onboarded in the lender database with secured and unsecured business loans. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Prepare accounts and a clear use of funds before you apply.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Secured Business Loan
- Published facility range: £75,000 to £5,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
LendingCrowd suits established practices seeking a published term-loan band.
Tide Bank
Published facility range£500 to £20,000,000
Term12 to 180 months
Overview: Tide Bank is listed in the lender database with asset finance, unsecured business loans, short-term loans and working capital products. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Speak to the business team with accounts and a clear use of funds.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Essential & Specialist Asset Finance
- Published facility range: £500 to £20,000,000
- Funding speed in the lender database: 24 hours
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Tide Bank suits SMEs that want bank-style products with published facility bands.
Tower Leasing
Published facility range£5,000 to £1,000,000
Term24 to 60 months
Overview: Tower Leasing is in the lender database with asset finance. Every facility, term, rate and speed figure on this card comes from that record.
Best next step: Ask for an asset finance illustration against the supplier quote.
More info
Company stats
Eligibility
Facility and speed
Pricing notes
Benefits
- Listed products include Asset Finance
- Published facility range: £5,000 to £1,000,000
- Funding speed in the lender database: 2 days
Need to know
- Figures come from the Funding Agent lender database and can change
- Approval is not guaranteed
- Confirm current criteria with the lender before you apply
Expert take
Tower Leasing fits equipment tickets that sit inside its published facility range.
How do you choose finance as an orthodontist?
Use these checks before you sign:
- Published metrics only: every facility, term, rate and speed figure on this page comes from the lender database.
- Purpose first: match asset finance to kit and term loans to cash or buy-in needs.
- Total cost: compare fees and term length, not only the monthly repayment.
- Security: know whether a personal guarantee is required from the database record.
- Docs: keep accounts, quotes and settlement figures ready before you apply.
Who do these lenders suit?
- Orthodontists buying chairs and imaging.
- Associates or principals funding a practice buy-in.
- Clinics expanding rooms alongside equipment upgrades.
They suit less well for purely personal borrowing with no practice vehicle.
Conclusion
Asset desks with fully published metrics include Aldermore Asset Finance, Ultimate Finance, Close Brothers, Bibby Financial Services, Nationwide Finance and Tower Leasing. Term and working-capital options with fully published metrics include Funding Circle, Shawbrook, LendingCrowd and Tide Bank. Only lenders with a complete metric set in the Funding Agent lender database are listed for orthodontists.
Funding Agent is a UK lender and a broker with a panel of 150+ lenders and an average of 48 hours to funding. Compare complete terms before you commit.
This article is for information only and isn't financial advice. Lender metrics were taken from the Funding Agent lender database on 6 November 2026 and can change. Approval isn't guaranteed.
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