Dental Equipment Leasing & Financing
Chairs, CBCT and scanners without draining practice cash
Liberty Capital finances general dentists, orthodontists, oral surgeons, periodontists and dental groups: operatory buildouts, digital imaging, intraoral scanners, mills and lasers. New or certified pre-owned, from dental dealers or private sellers, nationwide.
Dental equipment we finance
$1 buyout, FMV lease or EFA?
| $1 buyout lease | FMV lease | Equipment finance agreement | |
|---|---|---|---|
| Payment | Moderate | Lowest | Moderate |
| Own at end | Yes, for $1 | Buy at fair market value or return | Yes, from day one |
| Section 179 | Often yes | Usually no (payments expensed) | Yes |
| Best for | Chairs, sterilization, buildouts | Scanners and CBCT you will upgrade | Building equity |
A 10% purchase option lease fixes the buyout at signing. Confirm tax treatment with your CPA.
Why dentists lease instead of paying cash
Leasing is an inflation buster: a fixed payment while equipment, supply and labor costs rise. It is cash flow management, with a low capital outlay compared with buying outright, so cash stays free for staff, marketing and reserves while insurance claims pay out. Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout.
Equipment may qualify for Section 179, a potential 100% deduction in the year it goes into service (ask your CPA). You conserve cash for growth, and you can upgrade fast-moving technology like scanners on an FMV lease.
How to compare dental equipment leasing companies
What it takes to qualify
- 600+ credit for smaller deals; 650+ for $50K and up
- 3–4 months of business bank statements
- Equipment quote from your dental dealer
- Larger requests: 2 years of tax returns and financials
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups and associates buying in
New practices, associates buying in and practice acquisitions are reviewed case-by-case. Dentists’ strong personal credit often qualifies them for startup programs, sometimes with deferred payments while the practice ramps up.
Dental equipment leasing questions
Should I lease or finance dental equipment?
A $1 buyout lease gives you ownership at the end with low payments now; a fair market value lease keeps payments lowest when you plan to upgrade technology like scanners or CBCT.
What dental equipment can be leased?
Chairs and delivery units, CBCT and digital X-ray, intraoral scanners, mills and lasers, sterilization and full operatory buildouts.
How do dental equipment leasing companies compare?
Compare the total cost over the term, the end-of-term option ($1 or FMV), fees and whether soft costs like installation and software can be included. We put several lenders side by side.
Can a new dental practice lease equipment?
Yes. New practices and associates buying in are reviewed case by case; dentists’ strong credit profiles often qualify for startup programs.
Can I finance pre-owned dental equipment?
Yes, from dealers or private sellers, usually with a shorter term on older equipment.
Ready to upgrade your operatories?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.