Apply Now

Dental practice equipment financing

Equipment is usually the largest single purchase dental practices make, and financing it against the asset generally prices below unsecured working capital.

What gets financed

Adding an operatory or chair
Imaging and CBCT equipment
CAD/CAM and same-day crown systems
Practice acquisition or partner buy-in
Build-out and renovation
Insurance receivable gaps

Equipment finance or working capital?

Buying the asset itselfEquipment financing. Secured by the equipment, so it usually prices below unsecured funding and leaves your working capital free.
Uneven or recurring needA line of credit. Sits unused until you need it, and you only pay for what you draw.
A defined one-off purchaseA term loan. Fixed amount, fixed schedule, 0% origination and 50% off remaining interest on a full early payoff.
Already carrying an advanceA refinance or buyout. Balances of $100,000 or less can often be bought out.
A dental practice is unusual in that most of its capacity is capital equipment. Adding a chair adds revenue, but the chair is paid for long before the first patient sits in it.

Matching the term to the asset

The most common mistake is a term that outlives the equipment or a payment that lands before the equipment earns. Financing chairs, imaging and CBCT, CAD/CAM mills, sterilisation and operatory build-outs over a term roughly matched to its working life keeps the payment covered by what the asset produces.

Common questions

Can dental practices finance equipment with bad credit?

Revenue-based funding starts at a 600 credit score and 6 months in business, a 600 FICO. Equipment secured by the asset is often more forgiving than unsecured funding.

Is equipment financing cheaper than a loan?

Generally yes, because the lender has the asset behind it. It is usually slower, since the equipment has to be valued.

What equipment qualifies?

For dental practices: chairs, imaging and CBCT, CAD/CAM mills, sterilisation and operatory build-outs.

How fast is funding?

Same-day decision and next-business-day funding on a complete file.

Apply Now

Ready to Grow?

Let’s Build What’s Next.

Get the funding you need to create a brighter future for your practice.

Apply Now