Dental Guides

Everything You Need To Know About Dental Equipment Financing


Dental equipment is expensive, and financing options can be confusing. In this blog post, we will explore everything you need to know about dental equipment financing. From leasing options to loans and more, we will help you find the best way to finance your dental equipment. Read on to learn more.

Dental Equipment Financing helps Your Business Grow

If you’re a dentist, chances are you’ve thought about expanding your business. Maybe you want to open a second location or add more services. Whatever the case may be, growing your dental practice takes money. And unless you have a ton of cash saved up, you’ll likely need to finance your expansion.

That’s where dental equipment financing comes in. Dental equipment financing is a type of business loan that can be used to purchase new dental equipment. This includes everything from chairs and X-ray machines to software and computers.

One of the benefits of dental equipment financing is that it can help you get the equipment you need without breaking the bank. Instead of paying for everything upfront, you can spread the cost out over time with monthly payments. This can make it much easier to manage your finances and keep your business growing.

Another benefit of dental equipment financing is that it can give you access to newer, better technology. When you finance your equipment, you can choose to upgrade to newer models as they become available. This way, you can always have the latest and greatest dental technology, which can attract new patients and help improve your bottom line.

Dental Equipment Financing Benefits

There are a few key benefits to financing your dental equipment purchases. Perhaps the most obvious benefit is that it allows you to spread the cost of the equipment over time, making it more affordable in the short-term.

Another big benefit is that it can help you preserve working capital, as you won’t need to tie up as much cash in the purchase. This can be especially helpful for new businesses or those looking to expand their dental practice.

Furthermore, by financing the purchase you may be able to take advantage of tax breaks and other incentives that might not be available if you paid for the equipment outright. And lastly, many lenders offer flexible financing options which can give you some breathing room if your cash flow fluctuates.

One of the tax advantages of leasing equipment is that you can eliminate the entire lease payment. Leasing equipment can give you the luxury of fully deducting lease payments against current earnings.

Another tax benefit is using Section 179 for your dental practice. You get Section 179 tax benefits when you structure your dental equipment financing on an equipment financing agreement or a $1 purchase-outlease agreement.

Three Month Rule

If you're looking to finance your dental equipment, there are 3 things you need to know. Allow three months to research things such as tax implications, find viable dental equipment vendors, review pricing quotes, and find the best dental financing options.  You should do this for any equipment purchase over $20,000.

Invest in Core Dental Functions

When it comes to investing in dental equipment, there are a few core functions that you'll need to finance. First and foremost, you'll need to invest in dental chairs. Dental chairs are the centerpiece of any dental practice, and as such, they can be quite expensive. You'll also need to finance other essential pieces of equipment, such as x-ray machines, sterilization units, and intraoral cameras.

In addition to financing the purchase of dental equipment, you'll also need to factor in the cost of maintenance and repairs. Dental equipment is subject to a lot of wear and tear, and it's important to have a financial cushion set aside for unexpected repairs.

Impulse purchases are a slippery slope. You often find yourself getting caught up in the latest "buzz" in your profession without thinking through the long-term effects of these decisions. Trendy products can have mixed success in terms of quality and use fairly quickly. When you invest in less glamorous equipment, you will be making a more sound decision for your practice.

Equipment Discounts and Trade Show Specials

If you're in the market for new dental equipment, you may be able to take advantage of some great discounts and specials. Many manufacturers offer significant discounts on their products when purchased at trade shows. And, many dental equipment financing companies offer special rates and terms for equipment purchases.

So, if you're considering dental equipment financing, be sure to check out the latest trade show specials and equipment discounts. You may be able to save a significant amount of money on your purchase!

Where To Get Financing For Dental Equipments

There are a few options available when it comes to financing dental equipment. You can either finance through a bank or credit union, or you can lease the equipment.

If you decide to finance through a bank or credit union, you will likely need to put down a down payment and have good credit in order to qualify for a loan. The interest rate on your loan will also be determined by your credit score.

Leasing is another option available for financing dental equipment. With leasing, you make monthly payments towards the equipment and at the end of the lease term, you have the option to purchase the equipment for its fair market value or return it back to the leasing company. Trust Capital is an example of a dental equipment financing company. They specialize in financing dental equipment, and are able to finance up to $500,000 for one purchase. It doesn't matter if you have a bad credit score even if you're denied credit elsewhere, Trust Capital will give you the financial backing you need.


Dental equipment financing is a great way to get the dental equipment you need without having to pay for it all upfront. There are a few things to keep in mind when considering dental equipment financing, but overall it can be a great option for those who need it. We hope this article has helped you learn everything you need to know about dental equipment financing so that you can make an informed decision about whether or not it is right for you.

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