Specialist finance broker to the dental profession.

Our roots lie in the very heart of the industry the team at Snowbird Finance understand the unique challenges and issues relevant to the dental profession, so we’re in a great position to provide you with the best information if you’re considering taking out finance for yourself or your practice. Financial solutions for dental professionals, designed to help grow your practice.

With our extensive experience spanning over 25 years in dental finance, we understand the landscape, meaning your business is in safe hands. We have also established long-lasting relationships with all dental suppliers in the sector, so we can act on your behalf to ensure your equipment is delivered on time, every time.

We are in a unique position to understand your funding needs and requirements because we are a specialist credit broker for the dental profession. Please fill out the information below and a finance specialist will contact you to discuss your funding needs in order to see how we can help you and your practice.

The Dental Finance Specialists – How can we help?

What we typically finance


Equipment Finance

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


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


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.


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

Dentist Smiling

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

Clawback Funding for Dentists

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.

Revolving Credit Facility

This form of borrowing works in the same way as a traditional bank overdraft. You only pay interest on the funds when you draw them down and only for as long as you need them. This means you can pre-arrange a maximum level of funding anticipated (from £10,000 – £150,000) without paying any interest charges until you need some or all the funds. When you do draw the funds, you only pay interest on the sum borrowed until you repay all or part of the capital.

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.

Want to know more?

Contact us today for more information about the best financing options available to help grow your dental practice – our team of finance experts are here to help!