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Optical finance

We offer tailor-made tax efficient solutions from our range of optical Loans, Leasing and Hire Purchase products. Our team of specialists understand the financial challenges and opportunities in the optical sector.


Optical finance designed to help your business succeed

We provide optical finance solutions for optometrists, opticians and optical professionals designed to assist with the growth and development of your business. Ranging from the acquisition or relocation of a practice, a shop fitting revamp, new technological equipment, or simply a loan to meet your corporation tax demand, we have a solution to help.

You can always expect a speedy response from our in-house underwriters, with the ability to deal directly with multiple suppliers on your behalf, allowing you to concentrate on your day-to-day business.

Optical finance agreement types

Our range of Leasing, Hire Purchase and Loan products allow for fixed monthly repayments enabling you to budget with confidence whilst enhancing your cash flow.

    When buying into or starting up a new business, you may need to borrow funds to support the purchase or invest in renovation. Business loan product is only available to limited companies. 
    Business loans can be used for:

    • Acquisition finance
    • Refurbishment project
    • Capital injection / release
    • Buy in / buy outs

    Tax loans permit you to spread the cost of your tax demand into affordable monthly payments. Tax loan product is only available to limited companies. 

    Benefits of a tax loan:

    • Control of cash flow
    • Fixed monthly payments
    • Flexible repayment terms
    • Faster payment transfer straight to your account
    • Quick and simple to arrange

    Hire Purchase allows outright ownership of the asset and enables you to spread the cost over a term that suits you.

    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • Interest charges can be offset against profits for taxation
    • Outright ownership on completion of the agreement

    If you want to maximise the use of your equipment without the responsibility of owning it, leasing will give you the freedom and flexibility you need.

    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • No upfront deposits required
    • Protection of existing credit lines, making any further borrowing easier
    • Fixed payments - tailored to suit your individual circumstances
    • Tax efficient - repayments may be offset against taxable profit
    • Up to date equipment - be ahead of your competitors

    Typical uses for finance in the optical profession

      Specialist equipment is vital to the functionality of the optical profession. We offer funding for a wide range of equipment in addition to total refurbishments.

      We can finance equipment such as:

      • Fundus camera                           

      • Autorefractor
      • Tonometer
      • OCT Imaging system
      • Digital test charts
      • Topographer
      • Keratometer
      • Lasers
      • Combi units
      • Blocking / Edging equipment

      Our IT finance solutions ensure that the applicable tax advantages are taken into consideration when looking at the funding you require. All related costs can be combined under one agreement, offering easier management of your cash flow.

      IT finance can be used for:

      • Updating hardware / software
      • New monitors, keyboards and mice
      • Scanners / photocopying machines
      • Tablets and iPads
      • Operating licences and renewals
      • IT system installation
      • Training
      • Maintenance

      When your business needs a front office or a public practice area to accommodate your clients or patients it is often necessary to invest in renovations which incorporate designs and shopfitting to meet with the demands of your business.

      Shopfitting finance can be used for:

      • Bespoke units
      • Consultation rooms
      • Contact lens area
      • Counter designs
      • Display units
      • Shop front and signage

      Contact us today

      Find out how we can help you today.

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