Equipment loan · Dental practices
Equipment loan 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 an equipment loan works for dental practices
Not everything in a practice is clinical. Practice management software, servers and workstations, intraoral cameras, autoclaves, air compressors and plant-room equipment can all be funded under a general equipment loan, often at smaller amounts over three to five years. Bundling the non-clinical replacements into one facility rather than paying for each from cash keeps the practice’s buffer intact and gives you a single predictable repayment as items are refreshed on their own cycles.
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
Equipment loan for dental practices: the numbers
| Typical amounts | $5,000 – $5,000,000 |
|---|---|
| Term | 12–84 months |
| Indicative rates | 6.9% – 16% p.a. |
| Repayments | Monthly |
| Speed | Same day to 48 hours for low-doc |
| 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 are indicative, change without notice and depend on the lender, product, asset, term and your credit profile at the time of application. They are not an offer of finance. Comparison rates, where shown, are true only for the example given.
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 equipment finance?
Equipment finance is any loan or lease used to acquire business equipment, with the equipment typically serving as security. The main structures in Australia are chattel mortgages, finance leases and rentals.
Low-doc equipment finance
Low-doc equipment finance approves smaller amounts (often up to $150,000–$250,000) without full financials, relying on ABN age, GST registration, credit history and sometimes a property-owner declaration.
Questions from dental practices
How is a new dental surgery financed?
Chairs, delivery units, imaging, sterilisation, cabinetry and the fit-out are funded together under one facility, with suppliers and the builder paid as the surgery is built and the loan repaid over five to seven years. Registered dentists usually qualify for professional packages with no deposit and lighter documentation.
Can I finance the purchase of a dental practice?
Yes. Practice acquisition finance funds the purchase of an existing practice or a buy-in against its billings and goodwill, often at up to 100 per cent of the price for registered dentists, with the equipment and premises financed alongside. Lenders look at the practice’s financials, patient base and the selling dentist’s transition.
Can a newly graduated dentist get practice finance?
Yes. Several lenders fund new dentists buying or setting up a practice with little trading history because the profession’s income is reliable, usually with a business plan, AHPRA registration and a clean personal credit file. Rates and terms improve further once the practice has a year of billings.
Can I add imaging such as a CBCT or intraoral scanner with finance?
Yes. Imaging upgrades are financed as equipment over three to five years, with software and installation included when quoted with the unit, and the loan can be set up alongside existing chair finance. Many practices finance a scanner from the additional billings it generates.