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 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 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 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.
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.