Medical equipment finance · Dental practices
Medical equipment finance for dental practices
Dental practice finance is equipment-led lending for chairs, imaging and surgery fit-outs, alongside acquisition and premises funding, priced on the strength of recurring patient billings and practitioner registration.
How a medical equipment finance works for dental practices
A chair and delivery unit, an OPG or a CBCT scanner are long-life clinical assets and lenders will write them over five to seven years against the equipment itself. Dental gear holds resale value and practitioner income is stable, so pricing is at the sharp end of equipment finance and many registered dentists qualify without full financials. If you are adding a surgery, ask us to package the chair, imaging and sterilisation into one facility — one approval, one settlement, one repayment.
The cash-flow pattern we plan around
Consistent weekly billings from routine and restorative work, with occasional very large capital outlays each time a surgery is added or imaging is upgraded.
What dental practices typically fund
- Dental chairs and delivery units
- OPG, CBCT and intraoral imaging
- Surgery fit-out and infection-control compliance
- Buying a practice or a partnership share
- CAD/CAM and milling equipment
Medical equipment finance for dental practices: the numbers
| Typical amounts | $10,000 – $2,000,000 |
|---|---|
| Term | 12–84 months |
| Indicative rates | 6.6% – 13.5% p.a. |
| Repayments | Monthly |
| Speed | 24–72 hours for low-doc within practice limits |
| Documents dental practices usually need | ABN and AHPRA dental registration · Practice financials or personal tax returns · Equipment or fit-out quote from the supplier |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Dental equipment finance
Dental equipment finance is secured lending for dental chairs, imaging systems, milling units and sterilisation equipment, usually written over five to seven years and available to registered dentists with limited financial documentation.
Surgery fit-out funding
Surgery fit-out funding is finance covering the non-removable works needed to commission a dental surgery — services, cabinetry, plumbing and compliance zones — repaid across the term of the practice lease.
What is medical equipment finance?
Medical equipment finance is asset-backed lending used by healthcare practices to acquire clinical, diagnostic and treatment equipment. The equipment secures the facility, structured as a chattel mortgage, finance lease or operating lease over one to seven years.
Can a new practice finance equipment?
Often yes. Lenders weigh professional registration, specialty and employment history heavily for healthcare borrowers, so a newly established practice with a well-credentialled principal can access equipment finance that a comparable non-medical startup could not.
What is a deferred payment structure?
A deferred payment structure delays the first repayment for an agreed period, commonly three to six months, so repayments begin once the equipment is installed, commissioned and generating billings rather than at the point of order.