Equipment Financing for Dental Practices: Chairs, X-Ray, CBCT & More

Why Dental Equipment Financing Makes Sense

Running a dental practice means staying current with technology — and dental technology is expensive. A single CBCT scanner can cost $80,000 to $150,000. A full operatory setup with chairs, delivery systems, and digital X-ray runs $50,000 to $100,000 per chair. Few practices have that kind of cash sitting idle.

Equipment financing lets you acquire the tools you need now, preserve working capital, and spread payments over 24 to 84 months. For most dental practices, it's the most practical path to staying competitive.

What Equipment Can Be Financed

Almost any piece of clinical or office equipment qualifies. Common items include:

• Dental chairs and delivery systems

• Digital X-ray systems (periapical, panoramic, cephalometric)

• CBCT / cone beam CT scanners

• CAD/CAM milling units and intraoral scanners (Cerec, iTero, 3Shape)

• Dental lasers (hard tissue, soft tissue, diode)

• Sterilization and autoclave equipment

• Compressors and vacuum systems

• Practice management and imaging software

• Waiting room and office buildout

• Dental microscopes and loupes

Soft costs — installation, training, and extended warranties — can often be bundled into the financing package.

Financing Amounts and Terms

88 NewWin arranges dental equipment financing from $10,000 to $75,000,000 for practices across the United States and Canada. Terms range from 24 to 84 months. Rates depend on credit profile, time in business, and equipment type.

Most single-location practices qualify for $50,000 to $500,000 in equipment credit. Multi-location groups and DSOs regularly finance $1M to $10M+ across a portfolio of locations.

Who Qualifies

Lenders evaluate dental practices on several factors:

• Time in business: Most programs require 2+ years. Startup financing is available but carries higher rates.

• Credit score: 650+ is a common threshold for standard programs. Below that, options still exist — just at higher rates.

• Revenue: Lenders want to see that debt service is manageable relative to collections. Most require 12 months of bank statements or tax returns.

• Equipment value: The equipment itself serves as collateral, which makes dental financing more accessible than unsecured loans.

Both US and Canadian practices qualify. Canadian programs run through separate lender networks but follow similar underwriting criteria.

How the Process Works

The process is straightforward. You submit a one-page application and three to six months of bank statements. Most approvals come back within 24 to 48 hours. Once approved, funds go directly to the equipment vendor — or to you if you have already paid.

There is no hard credit pull to apply. 88 NewWin works with a network of specialty lenders focused on healthcare and dental, which means better approval rates than going to a bank directly.

Equipment Loan vs. Equipment Lease

Both structures are available. A loan gives you ownership at the end of the term — better if you plan to keep the equipment long-term. A lease often has lower monthly payments and can include upgrade options at term end — better if technology turnover matters to you.

Your 88 NewWin advisor will walk through both structures and help you choose based on your practice tax situation, cash flow, and upgrade preferences.

Get Started

If you are equipping a new practice, upgrading an existing one, or financing a multi-location expansion, 88 NewWin can help. We work with dental practices of all sizes — solo practitioners, group practices, and DSOs.

Apply online or call us at (714) 468-5431. You can also explore our full range of business financing options for healthcare and medical practices.