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For dental equipment dealersThe practice wants the CBCT. Financing is how it closes.
Five West Financial finances the chairs, imaging and technology your practices buy, from a single operatory to a full buildout. Quote a monthly payment in a minute, send one short application, and your customer typically hears back within 1–2 business hours. You are paid 100% of the invoice on funding.
Built for the way dental equipment sells.
Practices buy in stages: a chair this year, imaging the next, a full buildout when they expand. Every one of those sales goes through the same short application, with structures built for practices.
Every piece of the operatory
Chairs and operatory packages, CBCT and panoramic imaging, CAD/CAM and milling, sterilization, lasers, intraoral scanners, software and IT, and full buildouts. A single operatory or a multi-operatory buildout goes on one agreement, with freight, installation and training included on qualifying transactions.
No tax returns on most deals
Application-only decisions up to $500,000 on qualifying files: the application and your quote, sometimes three to six months of bank statements. A full financial package applies above that or on a practice acquisition.
Answers while the practice is still excited
A first response typically within 1–2 business hours, approvals in as little as 30 minutes on clean application-only files, and funding in as little as 24 to 48 hours once documents are signed. Applying has no hard inquiry.
You get paid. You carry nothing.
100% of the invoice is paid directly to you on funding, after the practice signs and the equipment is delivered and accepted. Where the equipment requires it, deposit funding can be released once documents are signed. No receivable, no collecting.
Structures that fit a practice
$1 buyout, 10% and fair market value structures on terms up to 84 months, deferred payments to match the revenue the equipment produces, and no prepayment penalty on many programs. Section 179 may make a purchase fully deductible in year one.
More of your practices qualify
New, used and refurbished equipment, 600+ FICO on many programs, and structures for associates buying in and for startups. A file that would be declined is reviewed for a restructure first, and every submission has two funding paths behind it.
Quote a monthly payment in a minute.
Built for your sales conversations. Answer a few questions about the practice and see estimated payments for a dental equipment purchase. No credit pull and nothing saved: change any answer, or start over, as often as you like.
Estimates for illustration only, not an offer or commitment to finance. All financing is subject to credit approval and underwriting; rates and payments can be higher than shown.
Ready to offer financing like this?
As a Co-Branded partner you get these estimates in your own Partner Portal, live tracking on every deal and a financing page with your logo on it, at no cost to you.
Have a practice ready to buy today? Send them to fivewestfinancial.com/apply.html and have them choose Vendor referral. No setup needed.
Every deal, every stage, on your phone.
Your practices’ financing from application to funding, payment estimates for the next sale, and a quick app your reps can send from the office, on a call or from a trade show booth.
Three ways to work with us, all at no cost.
Start where your volume is today and move up when it makes sense. Moving up a tier does not restart anything.
Private Label
Your finance program under your brand, built into the systems your sales team already uses.
Co-Branded
Your logo on our payment calculator and financing page, the Partner Portal for live deal tracking, and a dedicated finance rep.
3rd Party Financing
Nothing to build and nothing to sign. Send us the practice and we take it from there.
Guides for you and your practices.
For your sales team
To share with your practices
Questions dental dealers ask before they start.
What dental equipment can my practices finance?
Chairs and operatory packages, CBCT and panoramic imaging, CAD/CAM and milling systems, sterilization and infection control, dental lasers, intraoral scanners, practice software and IT, and full buildouts. A single operatory or a multi-operatory buildout can go on one agreement, from a $15,000 usual minimum to $5 million and above, and freight, installation, training, software and extended warranties can be included on qualifying transactions.
Do my practices need to send tax returns?
Usually not. Most dental equipment transactions are application-only up to $500,000 on qualifying files: the application, your equipment quote, and sometimes three to six months of bank statements. A full financial package applies above that or on a practice acquisition.
How fast will my customer hear back?
Most applications get a first response within 1 to 2 business hours, and clean application-only files can be approved in as little as 30 minutes. The application uses a soft credit inquiry, so the practice owner’s credit score is not affected. Funding follows in as little as 24 to 48 hours once documents are signed.
When and how do I get paid?
You are paid 100% of the invoice directly by Five West on funding, after your customer signs and the equipment is delivered and accepted. Where the equipment requires it, deposit funding can be released once documents are signed, with the balance on delivery. You carry no receivable and do no collecting; the customer’s obligation runs to the funder, not to you.
Can you finance used and refurbished equipment I sell?
Yes. New, used and refurbished equipment is financed. Used equipment is underwritten on its remaining useful life at the end of the term: chairs, delivery units and sterilizers finance used readily, while scanners and CBCT units are underwritten on software licensing and manufacturer support. Expect 10% to 15% down on used equipment from a dealer, with a rate roughly one to three points above the same equipment bought new.
What credit do my practices need?
Many established-practice programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing; for a practice, programs count the years the owner has been licensed. Associates buying in and startups are considered with structures built for each, and a startup typically needs 700+ personal credit and working capital left after the purchase. A file is weighed as a whole, so cash flow, the equipment and money down all move the answer.
What does it cost to partner with Five West?
Nothing. Every tier is free to you: no setup fee, no monthly fee and nothing to buy. Private Label and Co-Branded ask for monthly application volume ($500k and $100k), and 3rd Party Financing has no minimum, so you can start by sending your next practice our way. Each starts with a 90-day trial.
Let’s put financing in your next dental sale.
A short partner application is usually enough to tell which program fits your volume.