Merchant Fund Express
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Equipment Financing for Dental Practices

Finance the scanner, imaging or operatory your patients expect. A 5-minute application, three months of bank statements, and no tax returns.

Finance My Equipment

Dental Equipment Financing

Let the new operatory pay its own way

From intraoral scanners to CBCT units, we review your deposits and the equipment you want, then show the full cost before you accept.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why dentists finance equipment with us

Short application, short document list

About three months of bank statements, a 5-minute application and no tax returns. Funding in as little as 24 hours for qualified businesses.

Credit is one factor of many

FICO 500+ considered. We begin with a soft pull and weigh your production and deposits.

The full cost up front

Your offer states the full repayment amount before you accept. No surprise costs after you sign.

Payments you can budget

Your repayment schedule is laid out in the offer, so you can plan it against lab and payroll costs.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Dental equipment is expensive and it ages fast

Digital sensors, panoramic and CBCT imaging, intraoral scanners, milling units, delivery systems and chairs all carry real price tags, and patients notice when an office is behind. Equipment financing for dental practices spreads that cost out so the new scanner or operatory starts producing before it is fully paid for.

We work with established practices, from single-chair offices to multi-location groups, that want to upgrade, add an operatory, or replace something that just failed.

What we need from you

Our review starts with your bank activity rather than a stack of tax documents.

  1. Fill out the 5-minute application.
  2. Send about three months of business bank statements.
  3. Tell us what you are buying and share the quote if you have one.

We start with a soft credit pull, consider FICO 500+, and do not require tax returns. Funding ranges from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.

Thinking through the purchase

Before you finance any piece of dental equipment, it is worth working through a few practical questions. Will the equipment add revenue, such as in-house crowns from a milling unit or implant planning from a CBCT, or will it replace something that already works but is aging? How long will the training curve take before your team is using it at full speed? Does your office have the space, wiring and plumbing the installer needs, or will there be buildout costs on top of the purchase price?

We also suggest asking the vendor about installation timing, warranty coverage and service response times, because a scanner that sits uninstalled for a month is a scanner you are paying for without using. Having a written quote with the model, quantity and delivery details makes our review smoother too.

None of this changes the core of our review, which looks at your deposits and existing obligations. It simply helps you make sure the equipment you finance is the equipment that pays you back.

Planned upgrade or sudden breakdown

Some purchases are planned for months, like adding a CBCT so you can keep implant cases in house. Others are not: a compressor or vacuum system quits and the schedule stops. Both are common. If the equipment just needs repair, see our dental equipment repair funding page. If the purchase is part of a buildout or a second location, dental practice expansion funding covers the bigger picture.

When a different product fits better

Equipment financing ties funding to a specific asset. If you need flexible money for supplies and payroll, a business line of credit for dental practices may suit you better. Ready to price your equipment? Apply here.

Frequently Asked Questions

What dental equipment can be financed?

Common requests include chairs and delivery units, digital X-ray and CBCT, intraoral scanners, milling units, sterilization equipment, compressors, vacuum systems and lab equipment.

Can I finance used or refurbished equipment?

Practices do request used and refurbished equipment. Share the details and the seller's quote and we will review it with your statements.

Do I need a quote before applying?

It helps, but you can start the application first and send the quote as you narrow down vendors.

Are tax returns required?

No. We review about three months of business bank statements instead.

How do I see the total cost?

Your offer shows the full repayment amount and the schedule before you accept. Nothing is added after you sign.

Intraoral scanner $32,000.00
CBCT imaging $110,000.00
Operatory chairs $48,000.00
Sterilization $14,000.00

Example uses for illustration only.

How to improve your chances

Before you apply, a little prep goes a long way.

  • Get a written quote from the equipment vendor
  • Deposit all insurance and patient payments in one account
  • Avoid overdrafts in the months before applying
  • Know which procedures the new equipment supports

Dental equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Several weeks is common
Paperwork
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
First credit check
Soft pull
Hard pull common
Application
About 5 minutes
Long forms and branch visits

Put the new equipment to work this quarter

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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