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Dental Equipment Finance Rates for Small Business

Posted On: February 9, 2023 author Paul Kendall

Are you looking to apply for dental equipment financing?

Regardless of business size, the first thing a startup dental clinic must do is to secure its own dental equipment. This means that the possible finance rates for high-quality dental equipment is something you have been thinking of for some time.

For small businesses, dental equipment finance isn’t hard to get. However, its rates may differ according to finance loan standards.

To successfully start your own small dental business, it’s best to know what your rates  and payments could be when you go to apply for dental equipment finance. That’s why in this post, we’ll tackle some of the possible equipment financing rates for dental equipment.

What Are the Financing Rates for Dental Equipment?


Dental equipment finance is used for purchasing the equipment you need for your dental business. Financing rates may differ from company to company, ranging from 4.75% to 25%, but the bottom line is that any of them can help you with your equipment acquisition. 

So, why is financing for dental equipment good for small businesses?


Dental Equipment Finance Rates for Small Business - dental business

The Benefits of Dental Equipment Financing


If you opt to start a small dental business of your own, dental equipment financing is a good option. The benefit is that it doesn’t require anyone to have a large amount of capital; Regardless of your budget, you can still acquire the equipment financing you’ll need.

Acquiring financing will be of great aid in purchasing the necessary equipment for your business. You’ll also be able to easily make upgrades should you feel the need to.

With that said, let’s discuss the different types of dental equipment used in the industry.

Financing Rates for Dental Equipment Used by Small Businesses


As dental equipment for your clinic do not come cheap, you must be able to separate the best from the rest. It’s wise to choose quality over cheap prices — it will be a worthy investment in the long run if you do.

Be sure to acquire the basic yet most important equipment for your operations — from the mouth mirror to the dental chair. Only invest in equipment that are important to free yourself from unnecessary expenses.

Some Well-Known Brands

Small dental businesses commonly use equipment from popular brands, mostly because of their products’ established reputation and dependability.

Some of these brands include:

    • Belmont,
    • Castellini,
    • Gendex,
    • Sirona,
    • KaVo,
    • A-dec, and
    • DentalIEZ.


Wide-Range of Dental Equipment

There’s a wide range of equipment commonly seen in large dental businesses.  Some of these may also be present in smaller clinics.

Dental Equipment Finance Rates for Small Business - dental equipment

Some of the commonly used types of dental equipment are the following:

    • Dental Chairs,
    • CAD/CAM Machines,
    • Cerec,
    • AutoClaves,
    • UV Lights, and
    • Teeth Whitening Systems.




Qualifications for Dental Equipment Financing


For most types of dental practices, equipment financing companies have their own sets of qualifications before financing applications are approved. An example of this is to be a licensed dentist for at least a year.

Another qualification you need to consider is your bank statement. Financing companies might require submission of bank statements and for you to have a credit score of 650 or above.

Lastly, there are companies which offer equipment financing up to $300,000 under application-only program. All you’ll need then is a complete application form to qualify.

Factors Affecting Dental Equipment Finance Rates


Never compare your business to others. Dental equipment lease rates vary for every dental practice and every company that offers them due to several factors.

Some of these factors affecting dental equipment finance rates are:

    • Credit score,
    • Years licensed as a dentist,
    • Time in business,
    • Dental equipment cost, and
    • Term of the loan, and
    • Business credit history,


Dental Equipment Finance Rates

Dental equipment finance rates vary according to your credit score. The higher your credit score is and the higher your comparable installment debt is, the better dental equipment financing rates will be offered.

Here’s an example of pricing for dental equipment lease rates: Let’s assume that you want to buy $75,000 worth of dental equipment to be financed over 5 years with a $1 buyout.

If your dental practice has been running for 2 years with great credit (650 + FICO score), then the chances of you paying $1,467 per month for 5 years is good . A decent or imperfect credit (650 or less FICO score) may result in a payment of $1,987 per month for 5 years.

If your business is less than 2 years old and has great credit, then you can expect to pay $1,555 per month for those 5 years.

However, if your business is less than 2 years old and has a risky credit, then you can expect to pay $2,425 per month for those 5 years to buy dental equipment.

Final Thoughts on Dental Equipment Finance Rates for Small Business


Today, we talked about dental equipment finance and its rates from equipment leasing companies. Dental practice's use dental equipment finance not only to keep their capital, but also to acquire the equipment they need for their operations.

Dental equipment financing is a great help in acquiring the necessary tools and equipment for a dental practice. It’s used by practice's who are incapable of releasing a huge amount of cash upfront. Companies like Trust Capital offer no payments for up to 6 months to allow business owners time to ramp up their revenues first. 

Monthly payments of the dental equipment finance may vary depending on different factors. If you have a good credit, then it’s more likely that you’re going to get the best possible dental equipment finance rates.

Ready to Apply online for dental equipment financing? We invite you to call Trust Capital and speak with a dental equipment finance specialist that can offer you a no obligation approval and run payment scenarios for you subject to credit approval at 866-458-4777.

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