Dental equipment financing.

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 and acquisitions. A single operatory or a multi-operatory buildout can go on one agreement, from a $15,000 usual minimum to $5 million and above.

Usually not. Most dental equipment transactions are application-only up to $500,000: the application, the equipment quote, and sometimes three to six months of bank statements. A full financial package applies above that or on a practice acquisition. Our dental loan documents guide covers the five things that get a fast approval.

Yes. New, used, and refurbished equipment are financed from dealers, auctions, and private sellers. Used equipment is underwritten on its remaining useful life at the end of the term, and a private-party purchase adds a lien search, an inspection or appraisal on larger items, and funds paid directly to the seller rather than through you.

Expect 10% to 15% down on used equipment from a dealer and 15% to 25% on a private-party sale, with a rate roughly one to three points above the same equipment bought new. Chairs, delivery units, and sterilizers finance used readily; scanners and CBCT units are underwritten on software licensing and manufacturer support. See financing used dental equipment. See the private-party purchase guide.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase. Associates buying in and startups are considered with structures built for each; see the personal guarantee guide for what signing one actually means.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Five West prices A credit at 7% to 9% on terms of 24 to 84 months, against a bank prime rate of 7.00%; other profiles are priced to the full file, and the Quote Builder shows your range in a few taps. The dental equipment loan rates guide shows what a single point costs in dollars.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Yes. Dental equipment leases run 24 to 60 months with a $1, 10%, or fair market value buyout, and the buyout you pick sets the payment. A fair market value lease has the lowest payment and lets you buy, upgrade, or return the equipment at the end, which suits CBCT, intraoral scanners, and CAD/CAM you expect to replace in four to six years. If you'll keep it for a decade, like a chair or cabinetry, owning through an equipment finance agreement or a $1 buyout lease usually works out better.

Equipment finance agreements run 24 to 84 months, and leases run 24 to 60 months. Match the term to how long you'll use the equipment. Chairs and cabinetry stay in the room for a decade, so new ones can go on a longer term, while CBCT, scanners, and CAD/CAM often go on a shorter term or a lease because you'll likely upgrade sooner. Used equipment can't be financed past its remaining useful life, so it's often written on a shorter term than new.

Yes, with a few limits. Plumbing, electrical, installation, and freight can be included as soft costs inside a larger equipment financing when the file is strong. Real estate and working capital for the first few months usually sit outside an equipment deal and fit better with an SBA 7(a) loan. A startup practice typically needs 700+ personal credit, relevant industry experience, and working capital left after the purchase. Buying an existing practice calls for a full financial package and is a common use for an SBA 7(a) loan.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.