--- title: "Business funding for dental practices — working capital for UK dental companies" description: "How short-term business finance fits UK dental companies — a new chair, imaging kit, a surgery fit-out, lab bills, or the lag on plan and insurer payments. The company borrows, never the principal: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/dental/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for dental practices > How short-term working capital fits a UK dental company — chairs and imaging kit, surgery fit-outs, lab bills, and the lag on plan, insurer and NHS payments. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the principal dentist, an associate or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used in a dental practice. ## Where the cash-flow gaps come from A dental surgery is capital-heavy and income-delayed at the same time: cost goes out in large, lumpy commitments and comes back on someone else's payment cycle. Four pressure points show up again and again: - **Chairs and imaging kit** — a treatment chair, a digital scanner, an OPG or a CBCT unit is a serious capital item, and clinical kit doesn't wait for a convenient moment to need replacing. The cost lands in one piece long before the appointments earn it back. - **Surgery fit-out and compliance** — adding a surgery, refurbishing a tired one or meeting current decontamination and cross-infection standards bills all at once, and the room earns nothing while the work is done. - **Lab bills and consumables** — crowns, bridges, dentures, aligners and implant components come back on the lab's terms, rarely lined up with the day the patient settles or the plan provider remits. - **The lag on plans, insurers and the NHS** — capitation plans, dental insurers and NHS contract payments all pay on their own cycle, after the treatment is delivered, so a mixed practice is waiting on several payers at once. ## Which kind of finance fits a practice The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: a new chair, a scanner or CBCT unit, a surgery fit-out, bringing an associate room online. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits the dental rhythm: covering lab bills and running costs while plan, insurer and NHS payments catch up, and paying down when they land. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one heavy bill over a few weeks while the supplier or lab is paid in full today. Handy when a large lab bill for a run of implant or aligner cases lands at an awkward point in the month. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many principals have already signed personal guarantees they didn't love — a premises lease, an earlier equipment agreement, a goodwill loan from buying into the practice. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **practice company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for a chair or a fit-out. - **No personal credit check on a director** — the lender looks at the practice, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole-trader associate or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A mixed NHS-and-private practice trading as a UK limited company runs three surgeries. The principal wants to bring a fourth room online and add an intraoral scanner to take more implant and aligner work in-house. The fit-out, cabinetry and scanner all bill within a few weeks of each other — well before the new capacity has seen a patient. At the same time, a busy run of lab work has pushed lab invoices up just as a plan provider's monthly remittance runs a fortnight behind. Because the fit-out and scanner are a known, one-off cost with a clear payback, a fixed-term Business Bridging Loan to the company covers them together: a known sum, repaid over the months the new room earns it back. The agreement is with the company, so the principal gives no personal guarantee and puts no charge over their home. To smooth the heavier lab bills while the plan payment catches up, a Credicorp Flex facility would let the practice draw and repay as each payer cycle lands. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Dental funding questions **Can my dental company fund a new chair or imaging kit?** Yes — a chair, a scanner, an OPG or a CBCT unit are exactly the known, one-off costs short-term finance is built around. A Business Bridging Loan to the company tends to fit cleanly. Amounts and terms sit with the lender. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the practice company, not to you as the principal — no personal guarantee, no charge over a home, no personal credit check on a director. **Can it cover lab bills and consumables while plan payments catch up?** Yes. Bridging the lag between lab invoices and patient, plan or insurer payments is a classic working-capital use. Credicorp Slice can spread a single heavy lab bill; Credicorp Flex suits month-to-month headroom. **We run a mixed NHS and private list — does that change anything?** The borrower is still the company, whatever the mix of NHS contract, plan-scheme and fee-per-item work. Mixed practices often feel the timing gap most, because income arrives from several payers on several cycles. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole-trader associates. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. **How quickly can funds reach the practice account?** Business loans are typically released to your company bank account on the same working day once the agreement is signed. Apply or check timing at credicorp.co.uk. ## Related sectors - [Healthcare & dental](https://creditcorp.co.uk/industries/healthcare/) — clinics and care providers with the same equipment outlay and the same wait on plans and the NHS. - [Beauty & wellness](https://creditcorp.co.uk/industries/beauty/) — another appointment-led trade fitting out treatment rooms and stocking up ahead of the income. - [Professional services](https://creditcorp.co.uk/industries/professional-services/) — practices bridging the lag between work delivered and fees actually paid. Browse the whole set on the [industries hub](https://creditcorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).