Equipment financing for dental, chiropractic, and veterinary practices — soft pull, same-day answers.

Who we fund

• Dental practices — general, pediatric, orthodontic, oral surgery, and DSO-affiliated offices.
• Chiropractic and physical-therapy clinics — single-doctor offices through multi-location groups.
• Veterinary clinics and hospitals — small-animal, mixed, equine, and specialty practices.
• Optometry and medical specialists — exam lanes, imaging, and in-office procedure equipment.
• Practices opening a second location — equipment package on one approval, funded to the dealers.

What we finance

• Dental — A-dec, Midmark, Belmont chairs and delivery units; Planmeca, Carestream, Vatech, Sirona imaging and cone-beam CT; CEREC and Primescan; sterilization; practice-management hardware.
• Chiropractic — Leander, Lloyd, Zenith, Hill adjusting and flexion tables; decompression; Class IV laser therapy; shockwave; digital X-ray.
• Veterinary — surgical tables and lights, anesthesia, digital radiography and ultrasound, dental units, in-house lab analyzers, kennels and cages, hydrotherapy.
• Optometry and physical therapy — exam lanes, OCT, retinal imaging; PT tables, traction, modalities.

New equipment is the norm; several of the programs we use do not take used medical equipment. Aesthetic lasers, med-spa equipment, and body-contouring devices are excluded on most programs and are reviewed separately. Practice acquisitions, buy-ins, and buildings go through our SBA page.

How much down

The ranges below are reference points so you know roughly where a file lands — they are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.

• Established practice, 700+ credit, prior commercial financing paid as agreed: low or zero down is on the table.
• Established practice, strong credit, first commercial financing: around 10% down.
• Established practice, credit between 635 and 700: plan on 15% to 25%, and expect the lender to ask about production and the lease.
• New practice: 700+ personal credit required, with a real down payment.
• Below 635 credit: Below 635 personal credit is not a file we can place on this type of equipment; the collateral doesn't carry a weak-credit program the way a truck or a piece of yellow iron does.

Every file is reviewed on its own merits. Time in business, bank statements, the specific equipment, and comparable credit all move the number — the tiers above are where files usually start, not where they have to end.

What we don't finance

• Auction purchases
• Private-seller purchases
• Glider trucks
• Repairs to existing equipment
• Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)

Frequently asked

Do you do a hard credit pull? On everyday-sized purchases for an established practice, no — a soft pull and a decision usually the same day.

Do you finance used dental or veterinary equipment? Rarely. Most of the programs we use for practice equipment take new equipment only; refurbished from a manufacturer-authorized dealer is case by case.

What about aesthetic lasers and med-spa equipment? Excluded on most of our programs and reviewed separately. Call and we'll tell you quickly whether a specific device is placeable.

Can I finance a practice purchase or a build-out? Equipment, yes. Acquisitions, buy-ins, and real estate go through SBA structures; see our SBA page.

How large a deal? Soft-pull, same-day decisions to about $75,000. Larger packages with financials, no fixed upper limit.

What our equipment customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.