Best Dental Equipment Financing Companies in USA 2026 Rankings Released
IRAEmpire has published its updated rankings of the best dental equipment financing companies in the US.
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According to Michael Hunt, Senior Writer at IRAEmpire, “Dental equipment financing helps dentists purchase essential technology without using all their available cash at once. Qualified borrowers can finance dental chairs, digital X-ray systems, intraoral scanners, sterilization equipment, CAD/CAM systems, cone-beam computed tomography machines, practice-management software, and complete operative installations.”
What Is Dental Equipment Financing?
Dental equipment financing is a loan, lease, or equipment-finance agreement used to purchase technology and physical assets for a dental practice. Instead of paying the entire cost upfront, the practice makes scheduled payments over an agreed term.
In many transactions, the purchased equipment serves as collateral. This structure can make equipment financing more accessible than an unsecured business loan because the lender has a specific asset securing the debt. Personal guarantees, down payments, additional collateral, or liens may still be required.
1. Credion Finance – Best Overall Dental Equipment Financing Company
Credion Finance ranks as the number-one dental equipment financing company on our list. Its principal advantage is a personalized lender-matching approach that can help dentists evaluate funding options based on their practice history, credit profile, equipment requirements, and projected cash flow.
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Dental financing is rarely a one-size-fits-all transaction. An experienced dentist replacing an imaging system has different needs from a recent dental-school graduate opening a first practice. Credion Finance can consider the nature of the purchase and connect the applicant with financing sources that may be appropriate for the proposed transaction.
Rather than limiting every borrower to a single standard product, Credion Finance may help applicants explore fixed-term equipment financing, leasing, working capital, and other business financing structures. This flexibility is particularly valuable when the project includes expenses beyond the equipment itself, such as installation, construction, software, training, or initial operating costs.
The company also emphasizes improving a business’s “bankability.” Dental practice owners can use this process to better understand how lenders view personal credit, professional experience, cash flow, revenue, business documentation, and debt-service capacity.
Credion Finance states that business owners may be able to complete an initial prequalification process quickly. Eligible applicants can then be matched with potential lenders offering fixed-term financing for new or used equipment. Final rates and terms are established by the participating provider and depend on underwriting.
Best For
Credion Finance is best for dentists who want personalized guidance, access to several possible financing sources, or a solution tailored to a new practice, existing clinic, or complex equipment purchase.
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2. Henry Schein Financial Services – Best for Supplier-Based Financing
Henry Schein is a major dental equipment and supply company, while Henry Schein Financial Services helps dental professionals finance or lease equipment and technology.
The company advertises financing for up to 100% of eligible equipment and technology costs. Its programs may include terms ranging from one to 15 years, fast decisions, financing preapproval, working capital, and support for leasehold improvements. All programs remain subject to underwriting and may be provided through third-party lenders.
Henry Schein Financial Services is especially convenient for practices purchasing equipment directly through the company. The equipment selection, installation planning, and financing process can potentially be coordinated through related teams.
It may finance dental technology, computer hardware, software, and other practice assets. Promotional programs may also be available periodically, but dentists should compare promotional payment structures with the full cost after the introductory period.
Best For
Henry Schein Financial Services is best for dental practices purchasing equipment through Henry Schein and seeking a coordinated purchasing, installation, and financing experience.
3. Bank of America Practice Solutions – Best for Complete Dental Practice Projects
Bank of America Practice Solutions provides financing specifically for dentists and other healthcare professionals. Available uses may include opening a dental practice, acquiring an existing office, buying equipment, expanding a location, refinancing practice debt, purchasing commercial property, and obtaining working capital.
Specialized practice financing differs from a basic equipment loan because the lender understands the economics of professional healthcare practices. Underwriters may consider the dentist’s credentials, experience, projected patient production, location, proposed staffing, and complete practice plan.
Bank of America does not publish one universal rate for every dental practice loan. Pricing depends on the purpose, term, creditworthiness, transaction details, and the borrower’s overall relationship with the bank. Its practice loans may also offer an interest-rate lock in some circumstances.
The bank’s general business equipment loans start at $25,000 and offer terms of up to five years when secured by business assets. Those standard equipment loans generally require at least two years under current ownership and $250,000 in annual revenue. Dental Practice Solutions may have different requirements depending on the project.
Bank of America Practice Solutions Pros
Bank of America provides dedicated practice specialists, dental-industry experience, and financing for more than just equipment. A dentist may be able to combine equipment, construction, working capital, real estate, or practice-acquisition expenses into a broader financing strategy.
Bank of America Practice Solutions Cons
The application and underwriting process may be more detailed than with an online equipment-finance company. Borrowers may need to provide personal financial statements, tax returns, practice projections, equipment quotes, construction estimates, and professional documentation.
Best For
Bank of America Practice Solutions is best for dentists financing a large practice startup, acquisition, renovation, relocation, or expansion that includes equipment and additional project costs.
4. Huntington Bank – Best for New Dental Practices
Huntington Bank offers specialized dental practice loans for practice startups, acquisitions, equipment purchases, real estate, expansions, construction, refinancing, and debt consolidation.
The bank states that qualified applicants may receive up to 100% project financing for essential equipment. New practice owners may also receive assistance from a dedicated practice specialist and access to Huntington’s Financial Pulse Program.
This combination makes Huntington particularly relevant for dentists who are not simply replacing one device. A borrower may be building a new practice and need coordinated financing for chairs, imaging systems, sterilization equipment, leasehold improvements, furniture, technology, and initial working capital.
Best For
Huntington Bank is best for dentists launching their first independent practice or undertaking a major expansion involving equipment and construction costs.
5. Crest Capital – Best for Fast Equipment Financing Decisions
Crest Capital specializes in financing equipment, commercial vehicles, furniture, and software. It currently advertises standard financing from $10,000 to $500,000, with larger transactions potentially available by arrangement.
Qualified applicants may receive up to 100% financing, including certain soft costs such as delivery and installation. Crest Capital finances both new and used equipment, making it potentially suitable for dental practices purchasing refurbished imaging systems or pre-owned operatory equipment.
For many transactions up to $250,000, Crest Capital offers an application-only process that may not require tax returns or financial statements. Most credit decisions are made on the same business day.
However, Crest Capital generally favors established businesses. Its published guidelines state that typical customers have operated for at least two years under current ownership and have good credit. A personal credit score around 650 or higher is normally preferred.
Best For
Crest Capital is best for an established dental practice seeking a quick decision on a clearly defined equipment purchase between $10,000 and $500,000.
How to Compare Dental Equipment Financing OffersCompare APR and Total Repayment
A low monthly payment does not necessarily represent inexpensive financing. It may result from a longer repayment term that significantly increases total interest. Compare the annual percentage rate, fees, payment frequency, term, and total amount payable.
Review Down-Payment Requirements
Qualified dentists may receive 100% financing, but some transactions require an owner contribution. A down payment can reduce the amount financed and monthly obligation, although it also uses cash that might otherwise support operations.
Check Which Project Costs Are Covered
Ask whether the financing includes sales tax, delivery, installation, software, warranties, training, cabinetry, plumbing, electrical work, and other expenses. A loan covering only the machine’s invoice may leave a substantial funding gap.
Understand the Collateral
Confirm whether the lender places a lien only on the financed equipment or requires a blanket lien covering all business assets. Dentists should also identify any personal guarantee or additional collateral requirement.
Examine Prepayment Provisions
Some agreements allow early payoff with an interest saving, while others require most or all remaining scheduled payments. Request the prepayment formula in writing before signing.
Match the Term to the Equipment’s Useful Life
Longer terms reduce monthly payments but may cause the practice to owe money on obsolete technology. Rapidly changing digital systems may justify a shorter loan or lease, whereas durable operatory equipment may support a longer term.
Dental Equipment Loan vs. Lease
An equipment loan typically results in practice ownership of the asset. The practice repays principal and interest, and the lender maintains a lien until the debt is satisfied.
A lease provides the right to use equipment for a defined period. At the end of the term, the dentist may return it, renew the lease, or purchase it under the contract’s end-of-term provisions.
A loan may be better for equipment expected to remain useful for many years. Leasing may suit rapidly changing technology or a practice that wants predictable upgrades. Tax and accounting treatment varies, so dentists should consult qualified financial and tax professionals.
Frequently Asked QuestionsWhat is the best dental equipment financing company?
Credion Finance is our best overall dental equipment financing company because its lender-matching model, personalized guidance, and range of potential financing structures can serve different types of dental practices.
Can a new dentist finance equipment?
Yes. Some dental-specific lenders finance new practices based on the dentist’s credit, professional credentials, experience, business plan, location, projected patient volume, and proposed equipment. A personal guarantee and detailed financial projections may be required.
What credit score is needed for dental equipment financing?
There is no universal minimum. Some equipment-financing companies generally prefer scores around 650 or higher, while specialized practice lenders may evaluate the complete transaction. Stronger credit usually leads to more competitive rates and lower down-payment requirements.
Can dental equipment be financed with no down payment?
Qualified dentists may receive up to 100% financing. Approval depends on credit, practice history, project economics, equipment value, and the lender’s underwriting standards.
Can used dental equipment be financed?
Yes, some providers finance used or refurbished dental equipment. The lender may evaluate the asset’s age, condition, remaining useful life, resale value, seller, and installation requirements.
How long are dental equipment financing terms?
Terms can range from one year to 15 years, depending on the provider, equipment, financing amount, and practice profile. Most equipment should be financed over a period that does not exceed its reasonable useful life.
Is dental equipment financing tax-deductible?
Interest, depreciation, and certain equipment costs may receive favorable tax treatment. Section 179 may allow eligible businesses to deduct qualifying equipment placed in service during the tax year, subject to current limits and restrictions. A dentist should consult a tax professional before relying on any projected deduction.
Final Verdict
Credion Finance ranks as the best dental equipment financing company because it offers a personalized path to potential lenders and can accommodate different borrower profiles and project requirements. It is an especially appealing starting point for dentists who want assistance comparing available structures instead of applying with only one lender.
The best offer is not always the one with the smallest advertised payment. Dentists should compare total repayment, APR, fees, down payment, collateral, prepayment provisions, and the useful life of the equipment before making a final decision.
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