Equipment Financing for Dental Practices
That CBCT unit costs $120,000 but would transform your diagnostic capabilities. Replacing aging operatories runs $40,000 per chair. Equipment financing preserves the working capital you need for payroll and operations while building the practice your patients expect.
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Dental Equipment Economics
Dental equipment represents significant investment. Equipment quality directly impacts patient experience, diagnostic capability, treatment options, and ultimately practice revenue.
Equipment Cost Reality
Dental chair with delivery: $15,000-$40,000. CBCT system: $80,000-$150,000. CAD/CAM: $100,000-$180,000. Digital imaging package: $25,000-$60,000. Quality requires investment.
Patient Experience Impact
Modern equipment improves patient comfort and confidence. Outdated equipment signals outdated practice. Equipment quality affects retention and referrals.
Revenue Generation
Advanced equipment enables advanced procedures. CBCT expands implant capabilities. CAD/CAM enables same-day crowns. Equipment drives production.
Equipment Lifecycle
Dental equipment typically lasts 7-15 years depending on type and usage. Financing over useful life makes payments manageable.
The Dental Equipment Challenge
Quality equipment is essential for modern dentistry. Financing preserves operating capital for daily operations.
Cash vs. Equipment Needs
Purchasing $120,000 CBCT outright depletes working capital needed for payroll and operations.
Technology Advancement
Digital dentistry is the standard. Patients expect modern equipment. Staying current requires continuous investment.
Diagnostic Capability
Advanced imaging enables advanced treatment planning. Without CBCT, implant cases refer out.
Patient Experience
Aging chairs and equipment affect comfort and perception. Patient experience drives retention and referrals.
Multiple Equipment Needs
Operatories, imaging, and technology all need attention. Cannot address everything with cash.
Expansion Equipment
New location or expanded operatories need complete equipment packages. Significant upfront capital required.
Dental Equipment Financing Process
Get equipment financed efficiently while preserving working capital.
Application
Complete application with practice information and equipment details.
10-15 minutes
Documentation
Provide bank statements showing production deposits and equipment quote from dealer.
Upload documents
Evaluation
We evaluate practice production, time in business, credit, and equipment value.
24-72 hours
Funding
Accept terms. Payment sent to dealer or seller. Equipment is yours.
1-3 days after approval
Finance Equipment, Preserve Working Capital
Equipment financing structures payments across equipment useful life while keeping working capital available for payroll, supplies, and daily operations. The equipment itself secures the financing.
100% Financing Available
Finance the full equipment cost. No large down payment required. Preserve cash for operations.
Terms to 84 Months
Spread payments across equipment useful life. 7-year terms match dental equipment longevity.
Equipment as Collateral
The dental equipment secures the financing. No need to pledge additional practice assets.
New and Refurbished
Finance new equipment from dealers or quality refurbished equipment at favorable pricing.
Fast Approvals
Equipment deals and opportunities do not wait. Get approval in 24-72 hours.
Dental Practice Understanding
We understand dental economics and evaluate practices based on production and collection patterns.
Dental Equipment Financing Scenarios
Common equipment financing applications for dental practices.
CBCT System
Cone beam CT for implants, endodontics, and advanced diagnostics.
Typical funding: $80K-$150K
Operatory Package
Dental chairs, delivery systems, and operatory equipment.
Typical funding: $30K-$100K
CAD/CAM System
Same-day crown technology: scanner, mill, and software.
Typical funding: $100K-$180K
Digital Imaging
Digital sensors, panoramic, and intraoral cameras.
Typical funding: $25K-$75K
Dental Lasers
Soft tissue, hard tissue, or combination dental lasers.
Typical funding: $20K-$80K
Complete Package
Full equipment package for new location or complete refresh.
Typical funding: $150K-$500K
Equipment Financing vs. Alternatives
Understanding when equipment financing makes sense versus alternatives.
| Feature | Equipment Financing | Cash Purchase | Working Capital |
|---|---|---|---|
| Cash Required | 0-10% down | 100% | None |
| Ownership | At term end | Immediate | N/A |
| Working Capital Impact | Preserved | Depleted | Drawn down |
| Interest/Cost | 8-15% | None | Higher |
| Equipment as Collateral | Yes | N/A | No |
| Tax Treatment | Section 179 eligible | Section 179 | Interest deduction |
| Best For | Major equipment | If cash rich | Multi-purpose needs |
| Approval Speed | 24-72 hours | Immediate | 24-72 hours |
Dental Equipment Financing Requirements
What qualifies dental practices for equipment financing.
Practice History
Established dental practice with production track record.
1+ year preferred
Dentist Credit
Owner credit reviewed. Higher scores access better rates and terms.
620+ for most approvals
Production Level
Production sufficient to support equipment payment amounts.
Supports payment level
Equipment Type
Recognized dental equipment from established manufacturers with resale value.
Mainstream dental equipment
Bank Statements
Practice bank account showing production deposits and collection patterns.
4+ months statements
Equipment Quote
Quote from dealer or seller detailing equipment and pricing.
Itemized quote
Equipment financing decisions weight equipment value heavily. Quality equipment collateral enables approval for practices that might not qualify for unsecured financing.
Real Results
Advanced Dental Care
General & Implant Dentistry, Arizona
The Challenge
Advanced Dental wanted CBCT ($110,000) to bring implant planning in-house instead of referring for imaging. Cash purchase would deplete operating reserves.
The Solution
We financed $110,000 over 72 months. Monthly payments of $1,950 easily covered by 2-3 implant cases monthly that CBCT would enable.
The Result
CBCT operational within 3 weeks. Implant case acceptance increased 40%. Monthly implant revenue increased $15,000+. Equipment paid for itself many times over.
“CBCT transformed our implant practice. We went from referring imaging to full in-house planning. The equipment pays for itself every month in new case acceptance.”
Dental Equipment Data
Statistics on dental equipment and financing.
Dental Equipment Financing Advantages
Why equipment financing makes sense for dental practices.
Preserve Working Capital
Keep cash available for payroll, supplies, and daily operations.
Tax Advantages
Section 179 deduction may allow full equipment deduction in purchase year.
Revenue Generation
Advanced equipment enables advanced procedures and higher production.
Patient Experience
Modern equipment improves patient comfort and practice perception.
Predictable Payments
Fixed monthly payments make budgeting straightforward.
Build Equity
Payments build ownership. Equipment is yours at term end with remaining value.