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Professional practices have predictable revenue and lenders compete for them, which makes financing more accessible here than in most business categories.
| Imaging and diagnostic systems | High value, long useful life. Suits financing. |
| Dental chairs and CAD/CAM | Chairs hold value; CAD/CAM technology dates faster. |
| Sterilization equipment | Long life, straightforward to finance. |
| Practice management technology | Short cycle. Leasing often makes more sense. |
Two layers on top of ordinary equipment financing. The first is the licence: a lender financing a dental chair, an imaging suite or a sterilisation line wants to see the practice licensed to use it, because the equipment's value to a lender depends on a licensed buyer existing if it has to be resold. The second is the obsolescence clock: a chair lasts fifteen years and a diagnostic device may be superseded in four, and the term follows the device rather than the price.
The seven equipment lenders listed take medical and dental equipment from $2,500 to $50 million and from 5.5%; one of the seven, StriveX Financial, publishes medical equipment financing as a named product. Each lender's range is on the equipment financing page.
Long-lived, slow-changing equipment suits financing and ownership: chairs, sterilisation, cabinetry, imaging with a ten-year life. The practice keeps it to the end and the total cost is lowest. Fast-changing technology suits a lease with a buyout: scanners, lasers, software-driven diagnostics that the next model replaces on a schedule. The payment is lower, the obsolescence risk sits with the lessor, and the practice upgrades at term end. The question to ask of each device is whether it will still be earning in year six; if yes, finance it, if not, lease it.
Service contracts and consumables. Most medical equipment carries a service agreement that costs a meaningful share of the purchase price each year, and some lenders will finance it into the loan; some will not, and it belongs in the comparison either way. Installation and training can usually be included if they are on the quote. Aesthetic devices, which are priced on the treatments they sell rather than on clinical use, are on the aesthetic equipment financing page.
Apply once. Our application reaches all seven lenders listed and routes on the quote and your practice's statements.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans. Last reviewed 17 September 2026. Lender figures are the lenders' published terms as checked August 2026.
Yes, though a new practice faces more restrictive terms. Professional credentials carry weight where operating history is short.
Technology-dependent equipment usually leases better, because obsolescence risk sits with the lessor. Long-life mechanical equipment usually buys better.
Yes, and lenders check. An unlicensed device is difficult to remarket and therefore weak security.
Some lenders bundle them. Worth asking, since the service cost across the life is substantial.
