Dental practices carry high fixed costs — surgeries, chairs, imaging and sterilisation equipment — alongside a mix of NHS contract income and private fees. Credicorp lends to dental businesses that are UK limited companies or LLPs, for business purposes. We do not lend to individual dentists in a personal capacity.
Where funding fits
Dental capital expenditure is lumpy and significant, while income arrives steadily through the month. Borrowing lets a practice invest in equipment or premises without draining the working capital it needs day to day.
- Replacing or adding a surgery, chair or CBCT/imaging unit
- Refurbishing or fitting out new premises
- Funding the purchase of a practice or an associate buy-in at corporate level
- Bridging the timing between NHS contract payments and outgoings
How we lend
Credicorp Flex and Credicorp Slice are both available. The right choice depends on whether you want flexible access to funds or a structured repayment over your agreed term. Your account team can help you decide.
The borrowing sits with the company or LLP and we take no personal guarantees from the dentists or directors. Your rate and term are those shown in your offer. As an exempt business lender outside the consumer-credit regime, Credicorp is not covered by the Financial Ombudsman Service or FSCS.
See also: Funding for community pharmacies, Funding for architecture and engineering firms and Funding for gyms and fitness studios.