Launching or upgrading a dental practice requires more than just skill—it takes serious investment in top-tier equipment. From ergonomic chairs to digital X-ray machines and sterilizers, costs can add up fast. That’s why many dentists turn to dental equipment financing to outfit their offices without draining their working capital.
Can you finance dental equipment like chairs and X-ray units?
Yes, dentists can finance or lease chairs, X-ray machines, and sterilization systems through specialized healthcare equipment lenders or leasing programs.
New dental operatories, imaging tools, and infection control equipment often cost $100,000–$300,000+ combined. Financing offers major advantages:
Conserve cash flow for marketing, staffing, and expansion
Access the latest technology without the full upfront cost
Bundle multiple items into one affordable payment
Deduct interest or lease payments at tax time
Scale quickly by opening additional rooms or locations
Related: How Equipment Financing Can Boost Your Company’s Cash Flow
Lenders typically approve financing for both new and refurbished dental equipment, including:
Dental chairs and delivery systems
Digital X-ray units (intraoral, panoramic, CBCT)
Autoclaves and sterilizers
Handpieces and ultrasonic scalers
Lights, monitors, and cabinetry
CAD/CAM systems and intraoral scanners
Compressor and vacuum systems
✅ You can also finance installation, cabinetry, software licenses, and service agreements.
Fixed interest rates and terms (up to 84 months)
Equipment becomes yours after final payment
Best for long-term assets and building equity
Lower monthly payments
Options to upgrade, return, or buy at lease-end
Ideal for high-tech tools that evolve rapidly
Can include maintenance and service contracts
Use funds for equipment, construction, or working capital
Long repayment terms with low rates
Great for practice acquisitions or expansions
Tailored to dentists and dental startups
Understands practice timelines and insurance billing
Examples: Bank of America Practice Solutions, Wells Fargo Health Advantage, Henry Schein Financial
Tip: Compare multiple lenders to find the best mix of terms, speed, and bundled services.
| Equipment Type | Cost Estimate | Loan Term | Monthly Payment |
|---|---|---|---|
| Digital X-ray System | $45,000 | 60 months | ~$860/month |
| Operatory Chair Package | $18,000 | 60 months | ~$345/month |
| Sterilization Center | $30,000 | 72 months | ~$520/month |
To qualify for dental equipment financing, prepare the following:
Dental license and NPI number
Business EIN or personal SSN (for sole proprietors)
Equipment invoice or vendor quote
Recent tax returns or bank statements
Credit score (typically 650+ for best rates)
Business plan or patient flow (for startups)
Use loans to own your equipment long-term
Lease high-tech gear to stay updated affordably
Explore SBA loans for full practice buildouts
Work with dental-specific lenders for better terms
Dental technology is evolving fast. Whether you're replacing an old X-ray unit or building out a new operatory, the right financing can help you stay competitive, enhance patient care, and grow your practice efficiently.
Ready to outfit your dental office with the latest tools?
Explore financing and leasing options now to get fast approval, flexible terms, and equipment that elevates your care.