Dental Practice Finance & Loans for Dentists | Acceptance
Loans For Dentists – Borrow £50k to £500k
Dental finance can help grow your existing dental practice, manage cash flow, pay tax bills or help you expand into new areas. Acceptance offers a bespoke dental loans service, from £50,000 upwards, with funding available within 3-7 days. Check your eligibility online.
Acceptance helps dentists all over the UK to secure financing for dental practice acquisitions, expansion, refurbishments, equipment upgrades and general cashflow.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Won’t affect your credit score
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is Dental Finance?
Dental practice finance allows dentists and practice owners to access funding for business needs – without having to pay the full cost upfront.
Depending on your circumstances and the type of dental finance required, funding can be used for requirements such as:
- Practice acquisitions
- Refurbishment
- Equipment Upgrades
- Mergers & Acquisitions
- IT and Software Upgrades
- And many other dental business needs
£500k
Best suited for
Dentists that need fast, flexible capital without the complexity or risk of secured lending.
Representative APR 5%
Your actual rate depends on your business profile. We’ll show you your personalised rate before you commit.
How does dental practice finance work?
1. Tell us what you need
Tell us about your practice, the funding you require and what you're looking to achieve.
2. We assess your requirements
We'll look at your circumstances and help identify suitable finance options.
3. Receive your finance options
We'll explain which loans for dentists are available, the options, costs and repayment terms clearly.
4. Get your funding
Once approved and documentation is completed, your dental practice finance can be put in place.
What are the advantages and disadvantages of dental practice finance?
Getting a dental loan has many upsides, but it is important to be aware of some potential drawbacks.
- Advantages
- Preserve your working capital
- Spread the cost of major investments
- Fund growth without waiting to accumulate cash
- Match repayments to your business plans
- Access specialist finance for dental practices
- Things to consider
- Finance increases the overall cost of your investment
- Repayments need to be affordable
- The type of finance available depends on your circumstances
- Security or personal guarantees may be required
Costs
How much will dental finance cost me?
At Acceptance, our lenders offer rates starting from as low as 5% APR. Your dental loan rate will be personalised and confirmed before you commit, with no hidden fees.
| Loan amount | Acceptance | Representative APR% | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | 20% | £90,240 |
| £100,000 | 36 months | 15% | £131,040 |
| £150,000 | 36 months | 12.5% | £196,560 |
| £250,000 | 48 months | 10% | £349,440 |
| £500,000 | 60 months | 5% | £775,200 |
5%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
How much will my monthly repayments be?
Get an instant estimate — no credit impact. Applying takes less than 5 minutes.
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
Why use Acceptance for your dental practice finance?
We keep it simple. No mountains of paperwork — just the basics.
Borrow £50k – £500k
Choose the exact amount your business needs.
6 to 60 month terms
Pick a term that matches your cash flow — short or long.
Fixed monthly repayments
Know exactly what you owe each month. No surprises.
No collateral needed
Your home, property, and assets are completely safe.
Repay early, fee-free
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
The process
How do I apply for a loan for dentists?
Simple, fast, and designed to cause as little disruption to your day as possible.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Eligibility
What can Dental Practice Finance be used for?
Buying a dental practice
Finance the acquisition of an existing dental practice.
Starting a dental practice
Funding for premises, equipment, fitting-out and initial working capital.
Practice expansion
Loans for dentists can fund additional surgeries, new premises or expansion of your existing practice.
Dental equipment
Purchase chairs, imaging equipment, CAD/CAM tech and other dental specialist equipment.
Supporting cash flow
Use a dental loan to ensure your practice liquidity
Eligibility Requirements
Am I Eligible to Get a Loan for Dentists?
Eligibility and finance terms vary between lenders and depend on individual circumstances.
UK-based practice
Your practice must meet the lender’s UK requirements.
Trading history
Requirements vary depending on the type and size of finance.
Practice performance
Lenders may consider turnover, profitability and existing commitments.
Professional experience
Your experience and professional circumstances may be relevant, particularly for acquisitions and start-ups.
Credit history
Credit history may be considered as part of the assessment.
You could be eligible whether you’re a dentist, orthodontist, dental hygienist, periodontist or endodontist, and whether you work with the NHS or privately.
Put it to work
What can you use dental practice finance for?
Here are just a few examples of how you might want to use your new dental financing:
- Buy an existing dental practice
- Open a new practice
- Expand your current practice
- Add additional surgeries
- Refurbish your premises
- Purchase dental equipment
- Invest in digital dentistry
- Fund a practice buy-in
- Support working capital
- Refinance existing borrowing
Eligibility
What information do I need to apply for a dental loan?
We’ve kept the application process as simple as possible. Most dentists can complete it in under 5 minutes. Here’s what you’ll need to have ready:
- Your company registration number — to verify your practice with Companies House
- 3–6 months of business bank statements — so we can understand your trading performance
- Estimated annual turnover — we need to see at least £50,000 per year
- How long you've been trading — at least 12 months is required for most applications
- Your contact details — name, email, phone, and your role in the business
- How much you want to borrow and for how long — you can adjust this during the process
How much can I borrow to buy a dental practice?
The amount you can borrow will depend on the individual circumstances of the practice and your financial position. When assessing a dental practice loan, lenders may consider the practice’s turnover and profitability, NHS and private income, existing borrowing and your experience as a dentist.
Are loans for dentists secured or unsecured?
It depends on the type and purpose of the finance. Larger facilities, such as dental practice acquisition finance, may involve security, while some smaller loans or equipment finance arrangements may have different requirements.
Acceptance lenders explain any security, guarantees, fees, interest rate and repayment requirements before you proceed.