Asset finance
Medical and dental equipment finance: for practices run as companies
Medical and dental equipment finance helps a practice run as a limited company spread the cost of chairs, imaging, diagnostic and treatment equipment.
- How long
- Usually 3 to 7 years
- Depends on the lender and the deal
- How fast
- Around 1 to 2 weeks
- Typical; never guaranteed
- Our fee
- €0 to you
- The lender pays us commission
Quick eligibility check
Equipping your practice?
Step 1 of 3 · about 60 seconds
About 60 seconds · no credit search · not recorded on the Central Credit Register
Prefer to talk? +353 1 536 9910- How long
- Usually 3 to 7 years
- Depends on the lender and the deal
- How fast
- Around 1 to 2 weeks
- Typical; never guaranteed
- Our fee
- €0 to you
- The lender pays us commission
- Irish limited companies
- Several lenders, one request
- No fees for your company
- No obligation
At a glance
Medical and dental equipment finance at a glance
around 1 to 2 weeks
- Irish limited companies
- Often 12+ months trading
- Depends on the lender
- 1
Tell us what you need
Three taps: purpose, amount, business type. About 60 seconds, no credit search and not recorded on the Central Credit Register.
- 2
We match you to lenders
We check your profile against lender criteria and approach only those likely to consider it. One request, only to lenders likely to consider it.
- 3
Compare any offers
See the rate, fees, security and any personal guarantee side by side before you decide anything.
Lenders we work with
We are a broker, not a lender. Lender names and logos are trademarks of their owners and are shown with permission. Their inclusion does not mean the lender endorses Welcome Finance. Finance is subject to each lender’s own approval, which is not guaranteed.
About medical and dental equipment finance
Clinical equipment is expensive and needs replacing as technology moves on: dental chairs and imaging, diagnostic and scanning equipment, lasers, sterilisation units and practice IT. Medical and dental equipment finance spreads that cost over the equipment's working life. Irish asset finance providers such as Fexco Asset Finance offer hire purchase and leasing for diagnostic, clinical and dental equipment.
This page is for practices, clinics, pharmacies and veterinary businesses that trade as Irish limited companies. Lenders look at the practice's income, patient numbers and the experience of the clinicians who run it. Equipment finance is for business use only. We do not help with finance for patients or for treatment costs.
Our panel may help with an unsecured business loan to pay for the equipment, which your company then owns from day one. The lender makes the decision and sets the rate; approval is never guaranteed. See also equipment leasing and fit-out finance for a new surgery.
What it’s used for
- Dental chairs, X-ray and scanners
- Diagnostic and imaging equipment
- Treatment, laser and sterilisation equipment
- Practice management systems and IT
Who it’s for
- Dental practices run as limited companies
- GP, physiotherapy and specialist clinics
- Veterinary and pharmacy companies
- Diagnostic and imaging centres
No credit search · not recorded on the Central Credit Register · about 60 seconds
Medical and dental equipment finance calculator
Estimated monthly rental (ex VAT)
€1,795.69
- VAT per rental (23%)
- €413.01
- Paid at the start (3 rentals, ex VAT)
- €5,387
- Total rentals (ex VAT)
- €86,193
Profile: 3 + 45. With a lease the lender owns the equipment; VAT is charged on each rental rather than up front.
Check eligibility for this amountIllustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
How medical and dental equipment finance works
- 1
Get a supplier quote
Ask the equipment supplier for a quote including installation and training.
- 2
Compare finance
Compare the supplier's finance partner with a business loan.
- 3
Apply
Share practice accounts, bank statements and the quote.
- 4
Install and repay
The lender pays the supplier or the company, and you repay monthly.
Types of medical and dental equipment finance
Hire purchase
Fixed payments, then ownership after the final payment.
Lease
Use of the equipment for a set term, with options at the end.
Business loan
The practice company borrows and owns the equipment outright.
Typical eligibility
Every lender sets its own criteria. These are common starting points. We’ll tell you which lenders are likely to consider your business.
- Practice or clinic trading as an Irish limited company
- Supplier quote for the equipment
- Practice bank statements and filed accounts
- For our panel, usually 12 months trading and turnover over €100,000
What you’ll usually need
- Equipment quote
- Recent practice bank statements
- Latest filed accounts
- Company, director and clinician details
Advantages
- Keeps cash for staff and running costs
- Spreads the cost over the equipment's working life
- Can include installation and training
Things to consider
- Specialist equipment can have low resale value
- Fixed payments continue even if patient numbers fall
- Personal guarantees are often required
Rates, fees and costs
Ask for the total cost in euro, including documentation, end-of-term and early settlement fees. Compare the supplier's finance with a business loan before you sign.
We are paid commission by the lender when finance completes. We do not charge your company a fee and never ask for payment upfront.
Example (for illustration only): a company leases dental imaging equipment costing €80,000 over 5 years. If a lender’s offer showed rentals totalling €93,000, the company would pay 60 monthly rentals of €1,550. Check the documentation, end-of-term and early settlement fees in the offer too. The real cost depends on the lender’s offer, and finance is subject to status and lender approval.
With HP or a lease, the equipment can be taken back if payments are missed. With a loan, the lender can pursue the company and any director's personal guarantee.
Finance is subject to status and the lender’s approval. Welcome Finance is a commercial finance broker, not a lender. We arrange finance for limited companies for business purposes only; this is not regulated by the Central Bank of Ireland.
Compare medical and dental equipment finance with alternatives
Not sure this is the right fit? Here’s how it compares with the options businesses most often weigh it against.
Medical and dental equipment finance
This page- Amount
- Varies
- Term
- Usually 3 to 7 years
- Typical speed
- Usually days to weeks; not guaranteed
- Security
- Depends on the lender
- Typical min. trading
- 12 months
- Amount
- €10k to €500k
- Term
- 1 to 5 years
- Typical speed
- Decisions often within 24 to 48 hours, not guaranteed
- Security
- Unsecured
- Typical min. trading
- 24 months
- Amount
- Varies
- Term
- Usually 3 to 5 years
- Typical speed
- Usually within days; not guaranteed
- Security
- The asset
- Typical min. trading
- 12 months
- Amount
- Varies
- Term
- Varies by asset; shorter for soft costs
- Typical speed
- Usually 1 to 3 weeks once quotes are in; not guaranteed
- Security
- Depends on the lender
- Typical min. trading
- 12 months
| Detail | This page Medical and dental equipment finance | Unsecured business loans | Equipment leasing | Fit-out finance |
|---|---|---|---|---|
| Amount | Varies | €10k to €500k | Varies | Varies |
| Term | Usually 3 to 7 years | 1 to 5 years | Usually 3 to 5 years | Varies by asset; shorter for soft costs |
| Typical speed | Usually days to weeks; not guaranteed | Decisions often within 24 to 48 hours, not guaranteed | Usually within days; not guaranteed | Usually 1 to 3 weeks once quotes are in; not guaranteed |
| Security | Depends on the lender | Unsecured | The asset | Depends on the lender |
| Typical min. trading | 12 months | 24 months | 12 months | 12 months |
How we work
Medical and dental equipment finance: frequently asked questions
Can a dental practice get equipment finance?
Yes, if it meets the lender's criteria. Dental chairs, imaging and other equipment are commonly funded through hire purchase, leasing or a business loan. Welcome Finance only works with practices that trade as Irish limited companies.
What medical equipment can be financed?
Most equipment used in a practice or clinic: diagnostic and imaging systems, treatment and laser equipment, sterilisation units, couches and practice IT. Lenders prefer equipment with a clear value and a reputable supplier.
Do I need to trade as a limited company?
For Welcome Finance, yes. We work only with Irish limited companies. If your practice trades as a sole trader or partnership, your bank or an asset finance provider such as Fexco Asset Finance may be able to help directly.
Is leasing or buying better for a practice?
Leasing can suit equipment that dates quickly, such as imaging and IT. Buying with HP or a loan suits equipment you will keep for many years, such as chairs. Ask your accountant about the tax treatment of each.
Does Welcome Finance help with patient finance?
No. We never arrange finance for patients or for treatment costs, which would be consumer credit. We only help practice companies look at finance for business equipment and working capital.
Does Welcome Finance offer medical equipment leasing?
Tell us what your company needs and we will tell you whether a lender on our panel may consider it. Our panel may also help with an unsecured business loan to buy the equipment.
Check in 60 seconds
Equipping your practice?
Tell us about the equipment and the amount. We will tell you honestly whether our panel may help with a business loan.
- No credit search, not recorded on the Central Credit Register
- One request, several lenders: we’re a broker, not a lender
- For limited companies registered in Ireland
- No fees for your company: we’re paid commission by the lender
Step 1 of 3 · about 60 seconds
Sources: Medical equipment finance, Fexco Asset Finance (checked 26 Oct 2026); Frequently asked questions, Linked Finance (checked 26 Oct 2026).