Dental Equipment Financing & Dental Working Capital in North Carolina
Modernize your practice with chairs & operatories, digital X‑ray/CBCT, CAD/CAM & milling, intraoral scanners, sterilization centers, compressors & vacuums, practice IT, and buildouts—without choking cash flow. Dental equipment financing and dental working capital can be structured as loans or leases to fit production cycles, insurance receivables, and growth plans. Retention and case acceptance improve when technology is current.
Compare Business Loans, MCA, and Equipment Financing for Dental Practices in North Carolina
| Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
|---|---|---|---|
| Ownership | Practice retains ownership | N/A (purchase with working capital) | Own the equipment |
| Origination / Admin / Titling Fees | Low | Low to moderate | Varies by program |
| Payment Cadence | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
| Credit Minimum | 600 | 500 | 650 |
| Disbursement | Practice | Practice | Vendor (direct) |
| New/Used Eligible | n/a | n/a | Yes (new & used) |
| Maximum Term | 24 months | 12 months | 60 months |
| Time in Business | 2+ years | 6 months | Startup OK |
| Rates | Moderate | High | Low (equipment-secured) |
| Application-Only | $150K | $250K | $250K |
| Funding Time | Same day | Same day | 1–5 days |
Reality check: MCA is fast but expensive. If equipment is the driver, equipment financing or leases usually deliver the best total cost and fit.
Promotions & Flexible Programs — Dental Equipment Financing in North Carolina
- $99 for the first 12 months
- 90-Day Deferral (no payments first 3 months)
- Seasonally varied plans
- 0% for 24 months with 20% buyout (select equipment)
- Stepped-down leases that follow depreciation
- Fast online approvals to $150,000 (higher with financials)
Dental Equipment Financing vs. Leasing in North Carolina
Dental Equipment Financing
Own your clinical and imaging assets over time with fixed payments and terms up to 60 months.
- Build equity in chairs, operatories, CBCT, CAD/CAM, compressors & vacuums
- Vendor paid directly; install/delivery often included
Dental Equipment Leasing (FMV)
Off-balance-sheet style option with end-of-term flexibility.
- Lower monthly payment; payments may be deductible (consult CPA)
- Options to purchase (e.g., 10% or FMV), return, or upgrade
Both paths preserve cash, avoid large upfront costs, and keep your practice competitive with consistent upgrades.
Explore Dental Financing Programs in North Carolina
- Up to 120% equipment cost (soft costs included)
- App-only up to $150,000
- Up to $5,000,000 with financials
- Next-day funding approval
- 12–60 month fixed terms
- No down payment for qualified borrowers
- Competitive rates for qualified credit
- New & used equipment eligible
- Does not report to personal credit
- No pre-payment penalties
Who Uses Dental Equipment Financing & Working Capital?
- General Dentistry Practices
- Orthodontic Practices
- Oral & Maxillofacial Surgery Centers
- Endodontic Practices
- Periodontic Practices
- Pediatric Dentistry (Pedodontics)
- Prosthodontic Practices
- Dental Service Organizations (DSOs / group practices)
- Mobile & Pop‑Up Dental Clinics / Vans
- Community Health Clinics & FQHC Dental Programs
- University & Residency Clinics
- Dental Laboratories (CAD/CAM, milling, 3D printing)
- Imaging Centers (CBCT, panoramic, cephalometric)
- Specialty Cosmetic & Implant Centers
- Startup Dental Practices & Practice Acquisitions
Credit Requirements for New Dental Practice Owners
- Active business entity and dental license
- Personal guarantees from all owners
- Minimum 600 credit score
- No bankruptcies in last 7 years
- No unresolved tax liens
What Is “Application-Only” Equipment Financing?
When you don’t have full financials (common in startups, acquisitions, and remodels), application-only lets you qualify based on time in business, credit history, and bank statements—without tax returns. Apply to $250,000 application-only in select programs.
Dental Equipment We Finance
- Chairs, delivery units, lights, cabinetry & operatories
- Digital X‑ray, sensors, CBCT, panoramic/ceph units
- CAD/CAM systems, intraoral scanners, milling units
- Sterilization centers, autoclaves, washers
- Compressors, vacuums, suction & air systems
- IT, imaging servers, practice management & AV
- Buildout, flooring, plumbing, electrical (soft costs)
Why It’s Easier Than a Bank Loan
- Less paperwork
- Equipment is the collateral
- Faster processing & funding
- Flexible credit windows
Dental Equipment Financing & Working Capital — FAQ
How does dental equipment financing work?
We fund the purchase or lease of your dental equipment. You repay in monthly installments over a set term. With leasing, you may buy, return, or upgrade at term end.
What dental equipment can be financed?
Chairs & operatories, digital imaging (X‑ray/CBCT), CAD/CAM, sterilization, compressors/vacuums, IT & software, and soft costs like buildout and electrical.
Why finance instead of paying cash?
Preserve working capital, match payments to production and insurance receivables, potential tax benefits, and keep technology current for case acceptance.
Is a down payment required?
Depends on credit, time in business, and program. Many qualified borrowers can access $0 down options.
Can I include construction or installation costs?
Yes, we can include soft costs such as delivery, install, cabinetry, plumbing, HVAC, and electrical in many programs.
Can I finance upgrades, expansions, or acquisitions?
Yes. Use financing for remodels, new operatories, adding imaging/CAD‑CAM, additional locations, or acquiring a practice. Seasonal and stepped payments available.
What Do I Need to Apply?
- Online Application: Complete, upload, authorize. Soft inquiry up front; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice/Quote: Multiple vendors welcome. We can bundle into one monthly payment.
- 3–4 Months Bank Statements: To verify income, banking, and funds; align for ACH autopay.
Online Application — Dental Equipment Financing & Working Capital
Prefer to price it first? Get an instant quote.
Vendor & Dealer Financing Partnerships
Liberty Capital offers Vendor Financing Programs that empower dental equipment manufacturers, dealers, and distributors to close more sales by offering in‑house financing solutions. Our partnership provides your customers access to flexible payment terms while you get paid upfront.
Benefits for Vendors
- Accelerate sales cycle with pre‑approved financing offers
- Get paid in full within 24–48 hours after funding
- Co‑branded applications and instant credit decisions
- Dedicated Liberty Capital account manager support
- Vendor dashboard for tracking applications & deals
Benefits for Customers
- Affordable monthly payments for new or used dental equipment
- Fast, simple application‑only process up to $250,000
- Low or zero down payment programs
- Option to bundle installation, cabinetry, HVAC, and buildout costs
- Potential tax advantages via Section 179 (consult CPA)
Our Vendor Financing Program strengthens relationships between dental dealers and practice owners, ensuring smooth transactions and repeat business.