New equipment changes what a practice can offer and how many patients it can see. This page covers how to think about financing it without straining the monthly budget.
Apply Now →Practices buy equipment for two reasons. Some purchases add services and revenue, such as a new diagnostic unit or laser. Others simply replace worn machines so the practice can keep operating. Financing is a different conversation for each.
Equipment financing is generally built around buying a specific asset. How any particular deal is structured is spelled out in the offer, so read it closely.
| Revenue-adding purchase | Replacement purchase | |
|---|---|---|
| Typical examples | New imaging, laser or lab capability | Exam tables, sterilizers, chairs |
| Main question | Will new services fill the schedule? | Can we afford downtime? |
| Risk | Underused equipment | Delay while the old unit fails |
| Planning focus | Patient demand and scheduling | Timing and budget |
A payment arrives on a fixed date. Practice revenue arrives after claims clear. Before you commit, look at your slowest month of deposits and make sure the new payment can sit alongside payroll and rent. If the equipment adds revenue, estimate how many additional patients it takes to cover it.
The basics on our side: amounts from $25,000 up to $5,000,000, funded in as little as 24 hours once things are in order. We consider FICO 500 and up, review roughly three months of business bank statements, and do not ask for tax returns. You can start the 5-minute application with a soft credit pull, and sole proprietors are welcome.
Do not send patient information with your application. Business bank statements are enough.
A dental practice replaces two operatories and adds a digital imaging unit, with a combined cost of around $85,000. Bundling those purchases reaches our $25,000 minimum easily. Round numbers here are illustrative only, not a quote or any statement about an offer.
Installing a new machine rarely takes zero time. A chair swap, a lab setup or room rewiring can close part of the practice for a day or more. Schedule the work for a light period and tell patients early. If the old unit is already failing, you may not have a choice. Funding in as little as 24 hours can help shorten the scramble, but planning gives you the better outcome.
We review about three months of business bank statements. For a practice, they usually show steady deposits from payers and patients along with regular payroll and supplier payments. Because we do not look at tax returns, the statements carry most of the weight. Keep the business account separate from personal spending so the picture is clear.
Our range starts at $25,000. A single small instrument is usually below that, but a room fit-out, a set of operatory equipment or a new imaging line can reach it. If you are planning several purchases over a few months, consider whether bundling them into a single request makes sense.
Ask when you apply. We cannot promise any particular item will qualify.
Our minimum is $25,000, so smaller purchases may need another route or bundling with other items.
No. We review business bank statements.
It uses a soft credit pull.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
