Medical & dental equipment financing

Medical equipment financing and dental equipment financing work like other secured equipment loans and leases: the machines, chairs, or imaging gear on your signed quote usually serve as collateral, and the offer depends on how the practice earns, how long you have operated, and the structure of the deal. Compare total cost, term length, and how the payment sits against payroll and supply bills before you sign.

A funder looks mainly at practice revenue, time in business, and credit, plus the vendor quote you plan to sign.

Whether you are opening a new operatory, replacing aging sterilization equipment, or adding diagnostic capacity, start with a written vendor quote that lists each item, delivery timing, and what is hardware versus subscription software.

Medical, dental, orthodontic, veterinary, chiropractic, physical therapy, optometry and med spa practices, plus independent labs and outpatient clinics, finance gear this way — any healthcare business buying on a commercial quote.

Imaging and X-ray: intraoral sensors, panoramic units, CBCT, and ultrasound when listed as capital equipment on the proposal — confirm whether monitors and workstations are bundled or billed separately.

Dental chairs, operatories, and handpieces: chair packages, delivery systems, and cabinetry when the dealer invoices them with serial numbers.

Sterilization and infection control: autoclaves, instrument washers, and sterilization centers tied to the operatory project.

Diagnostic and lab equipment: analyzers, centrifuges, and benchtop lab lines when the practice owns the hardware outright.

Exam and treatment tables, physical therapy devices, and procedure-room fixtures when they appear as line items on the same project quote.

Practice software and IT bundled on a quote: servers, workstations, or imaging software when capitalized on the invoice — ask whether recurring SaaS fees stay outside the secured amount.

Paying cash avoids finance charges but ties up working capital you might need for payroll, supplies, or leasehold improvements. An equipment loan spreads the purchase over a fixed term; a lease may trade ownership for payment flexibility and different end-of-term choices.

Use the equipment loan calculator and lease vs loan calculator with the same quote to see how term and structure change the monthly payment before you inquire.

Section 179 and bonus depreciation rules for purchased equipment depend on tax year limits, entity type, and how the asset is placed in service — IRS Publication 946 describes the general rules; a deduction is not guaranteed for every owner. Use our Section 179 calculator for directional math, then confirm elections with your tax professional.

Who handles delivery, rigging, and electrical tie-in — and are those costs on the same invoice as the chair or imaging unit?

Does the quote include training days, service contracts, or extended warranties, and are they financed separately from the hardware?

Can soft costs such as install, cabinetry, or network cabling stay on the proposal, or must they move to a different line of credit?

On a lease, what are the buyout options at end of term, and what happens if you upgrade before the schedule ends?

If you replace a unit early, how are payoff quotes calculated — are remaining fees or minimum interest charges included?

A vendor or integrator quote with make, model, quantity, and price for each item, plus delivery and install scope spelled out.

Recent practice revenue history from bank activity or accounting summaries that show how the location earns.

Time in business and ownership structure — newer locations may face additional questions without implying any particular approval outcome.

Entity documents and insurance agent contact information; requirements vary by deal size.

LoanHelp does not ask for Social Security numbers, dates of birth, tax IDs, bank account numbers, or patient information on this site — those belong in a secured flow with our trusted financing partner only if you choose to continue.

Newer practices and recent acquisitions often face more documentation requests — stronger liquidity, personal guarantees, or detailed pro formas may come up depending on our trusted financing partner’s review. That does not imply a specific approval outcome.

If you are building out a first location, read how collateral and down payment expectations interact on our guide for equipment financing for startups.

Buying an existing practice with seller-held equipment? See how change-of-ownership timelines and equity injection interact on our guide to SBA loans for buying a business.