Your Trusted Finance Partner for Dental Professionals.
At Snowbird Finance, we’re firmly rooted in the dental industry. With over 25 years of specialised experience in dental finance, we understand the unique opportunities and challenges of your profession. Whether you’re investing in new equipment or expanding your practice, Snowbird Finance is your trusted partner, offering flexible financing options designed to support your practice, your patients, and your future.
As a specialist credit broker for the dental industry, we work with leading suppliers to provide finance solutions that meets your business needs. Whether it’s upgrading equipment, refurbishing your practice, or smoothing cash flow, our tailored solutions keep your practice thriving. Thanks to our strong supplier partnerships, we guarantee timely delivery and a streamlined process—leaving you free to focus on your patients.
Take the first step toward stress-free financing. Complete the form below, and our dental finance specialists will be in touch to support you, your business, and your patients.
What we typically finance
Equipment
Financing makes it more affordable for you to purchase equipment without causing a negative cash flow to your practice. By spreading the expenditure over a longer period, your monthly repayment is a small portion of the total cost, which can enable you to purchase the equipment you need to help grow your business.
Examples include:
- Dental chairs
- Digital imaging
- OPG/CBCT technology
- CAD/CAM technology
- Loupes and handpieces
Patient
Helps patients minimise the focus on treatment costs and break the overall payment into smaller, more manageable instalments. This allows them to spend more time selecting the treatment they want and less time thinking about how to pay for it.
Treatment Finance can be used to fund many dental treatments including:
- Dental Implants
- Cosmetic Dental Treatments
- Teeth Whitening
- Teeth Straightening Treatments
- Veneers
- Crowns
Refurbishment
Whether you’re thinking of buying a new practice or refurbishing your current premises, we can help by making it more affordable for you to achieve your practice development plans.
A business loan will enable you to expand your practice while maintaining a steady cash flow for other essential requirements, such as equipment purchases or emergency repairs. We can arrange a simple, fast and flexible loan with no deposit and fixed payments over an agreed term to suit you.
Vehicle
Buying a car outright could leave you without the cash flow needed for other important areas of your business. Financing a vehicle requires less money upfront and allows you to budget for a fixed cost across a pre-agreed period. It also makes the balance sheet look healthier, proving to future lenders that you can pay your loan back.
Examples include:
- Change of existing vehicle
- Buying a second car
- Purchasing a classic car
Professional Indemnity Insurance
Professional Indemnity Insurance (PII) is an essential trading requirement for dental practices, but it can also be one of the costliest single expenses.
Many practices choose to use PII finance to spread the cost of their policy over time. This can be beneficial for businesses that experience peaks and troughs in revenue throughout the year, as it frees up working capital and lessens the impact on financial health.
Paying monthly instalments can help to smooth out cash flow and make it easier to budget for PII costs, our solution can be tailored to the individual needs of each business.
Clawback Funding
Dental practices in England and Wales are facing record-high clawback payments this year. Clawback is a financial penalty that is imposed on practices that do not meet their contracted targets for Units of Dental Activity (UDAs).
We understand the challenges that dental practices are currently facing, and we are committed to helping you succeed. We can help you understand your options and find the best solution for your needs. We can also help you spread the cost of the clawback with fixed monthly repayments, which will help with cashflow and budgeting. See how our solution can be tailored to your individual needs and requirements.
What we can offer
Our range of finance products allow for fixed monthly repayments, enabling you to budget with confidence whilst enhancing your cash flow.
Equipment Leasing
Acquiring new equipment through lease rental for your dental practice is an effective way of managing your cash flow. Payments are fixed and can be spread over and up to five years, paid monthly in advance, so you know exactly how much you need to pay each month. VAT can be added to the cost of the equipment on the lease arrangement so that it can also be paid over the term and not in advance, relieving unnecessary pressure on your cash flow.
Hire Purchase
This offers taxation and ownership benefits for purchasing new practice equipment, allowing you to own the equipment outright once payments have been made (subject to a nominal fee). Schemes are usually for periods of up to five years with monthly fixed payments. Your purchase(s) would qualify for the Annual Investment Allowance (AIA), which offers tax relief at 100% on qualifying expenditure in the first year of purchase and on the interest over the term of the agreement.
Practice and Tax Loans
We can arrange a simple, fast and flexible loan at competitive rates to help you finance your tax bill, whether it be on a regular yearly basis or as a one-off due to unexpected circumstances. A tax loan enables you to use your funds for other essential business opportunities to help your practice grow. Whether you’re looking for £2,500 or as much as £200,000, we will help to arrange this for you on an unsecured basis with no additional set-up fees and no hidden costs.
How to apply
We aim to make it quick and simple for you to arrange finance so you can focus on what you do best – running your business.
Once you’ve decided on your finance requirements, simply download and complete our Finance Application Form and return it to us along with a set of your latest practice accounts. Or if you prefer, you can call us and we will complete the application form with you over the phone while answering any queries you may have.
Once we’ve received and reviewed your documents, we will contact you before submitting your application to a funder and throughout the process.