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Assets for opticians

Making the equipment you need affordable.

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Our equipment funding solutions for opticians

Hire Purchase

  • HP up to 60 months
  • Rates from 6%
  • Undercut "0% finance" deals from suppliers
  • Ideal for equipment with long service life


  • No capital requirement
  • Variety of arrangements to suit your business needs
  • Rates can reflect your professional status
  • New and used items


  • Reduce demand on cashflow
  • Repayments tailored to your business
  • Lease any type of asset
  • Supports growth plans

When you want equipment for your opticians practice, you will want the best

You can’t afford to use anything less when your patient’s eyesight – and the future of your business – could be at risk.

But buying the best can, in itself, mean an eye-watering investment. A keratometer could cost £7,000, and an OCT system could start at £20,000, with costs that keep on going up with every option you add. Even a sales display with lighting and a discreet security system might cost more than £4,000.

Those types of cost might be affordable propositions for the large chains, but if you are an independent operator with a single shop, you will probably not have the kind of cash resources you need. But not having access to enough cash to buy top-of-the-range equipment outright does not mean that you need to try and work without it.

There are ways to provide the equipment you need and spread the cost.

Asset Finance for opticians

Asset Finance can be an effective answer to your need for optical and business equipment. It can be the most effective way to finance new assets and equipment that you need for your shop, consulting room or office – or anywhere else in your practice - and spread the cost.

Asset Finance is a broad term that covers a range of funding solutions. They provide access to all kinds of assets - diagnostic equipment like state of the art OCT, IT or even the straightforward shopfittings you need in your frame display area - without making impossible demands on your cashflow.

Hire Purchase

Hire Purchase lets you acquire an asset right away and spread the costs in instalments over an agreed time, often up to 5 years or more. At the end of this term, you own the asset outright. Hire Purchase is often used for items which have a high cost and a relatively long life. An ophthalmoscope might be ideal for hire purchase.


Leasing works much like a rental agreement and lets you use the equipment you need without having to buy it outright -you pay the finance company each month for using the asset. If you are using a technical piece of equipment which could go out of date quickly, a leasing agreement can be ideal as it can be easy to update it when a better model becomes available.

As it is a relatively new technology, a digital fundus camera might be ideal for leasing.

Optician equipment suitable for Asset Finance can include:

  • Burton Lamp
  • Colour Vision Test
  • Digital Dispensing/Measuring Device
  • Digital Fundus Camera
  • Facial Gauge
  • Field Screener
  • Focimeter
  • Frame Heater
  • Keratometer
  • Ophthalmoscope
  • Pachymeterope
  • Pupillometer
  • Refractor Head
  • Retinal Imaging Equipment
  • Retinoscope
  • Slit Lamp
  • Tonometer
  • Topograph
  • Volk Lens

Can your optical equipment supplier help?

Most suppliers will be only too pleased to help you afford the equipment you want with their own Asset Finance arrangements but beware. In many cases, they will be making a handsome profit from providing the finance as well as on the equipment itself.

They may even offer 0% finance to close the sale. It looks as cheap as buying with cash, and it can be tempting to take up a 0% offer. But there is a catch.

As a borrower, you won’t pay any interest on the sum you borrow. So, if you finance a £20,000 imaging system for your practice with an interest-free agreement from the supplier, you’ll repay just £20,000, even if you take a year or two to do so.

With a 0% deal, the dealer pays the funding company the cost of the interest which they would otherwise take from you - but they will recover the cost from you, the customer. You won’t pay interest, but the supplier may add the interest cost into his sale price.

Arranging your own finance with help from the Rangewell team could mean a more competitive rate that might leave you better off.

You can find the most appropriate and competitive funding by talking to us at Rangewell. We are experts in all types of finance for opticians. The chances are we can help you find an Asset Funding solution or any other type of funding - from start-up finance for opticians to more straightforward loans for opticians - that save you money, even compared with 0% finance.

You can see what we can do for you here


  • Help arrange a Goodwill Loan for an optician, as the deposit for a premises purchase

  • Find a lender to provide the most competitive commercial mortgage to acquire premises

  • Help set up a 100% funding plan to buy an opticians premises

  • Help arrange jigsaw funding for every stage of an opticians expansion programme

  • Find the most effective source of funding to allow an optician to take on a newly qualified ophthalmologist

Discover your range of finance. Every type of finance for every type of business.

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Find Funding

Helping you build your profits

Avoiding capital expenditure

The cost of your equipment can be spread over months or years. With some asset finance solutions, there is no upfront capital expenditure to find.

Funding tailored to your opticians practice

Funding solutions are available for your practice whatever its size, whether it is a startup or has been established for year.

Repayments that work with your budget

Funding is secured on the assets themselves, reducing interest costs and helping your monthly repayments fit your monthly budget.

Scaled for your needs

Asset finance can fund equipment at all levels, from individual items to complete consulting suites and retail areas.

Reducing risks as well as costs

If your practice was to become unable to make the payments on equipment funding, the lender could simply repossess the equipment to cover their loss. No other assets are at risk.

Specialist lenders for opticians

Some asset funding providers specialise in particular sectors. At Rangewell, we can help you find the most appropriate lenders for your practice.

Download Rangewell’s free and detailed guide to business lending

Rangewell Ebook - Download Rangewell’s free and detailed guide to business lending
  • What kinds of business funding are available and which lenders are experienced at providing finance to the opticians sector?

  • How can they provide extra funds for you - without reducing funds available for your business?
  • Why you must find the right lender to cut costs
  • The downsides of borrowing
  • Guarantees and security
  • How important is it to choose a lender that is authorised and regulated by the financial conduct authority?

  • Find business finance packages for any purpose for optician practices, including to help with cash flow, working capital finance, premises funding or even equipment finance

  • Is business finance limited to companies based in the UK only?

  • Will it be hard work to apply for finance? What paperwork you will need to submit with your application

  • Key financial terms explained, such as credit lines, Asset Finance, Merchant Cash Advance and terms. 

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An additional commitment

Borrowing may be a long-term commitment, with ongoing monthly repayments which will affect your cashflow.

You may need to repay

If you sell your business, you may need to repay your borrowing.

Borrowing may be a personal liability

Lending will be secured on your practice, but you may be personally responsible for repayment with some types of loan.

Our service is...


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.
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