What we finance, and who funds it
We arrange dental equipment financing through major Canadian banks and specialised leasing institutions, covering dental chairs and complete operatory packages, panoramic and cone-beam imaging, CAD/CAM and milling systems, and sterilization and lab equipment. New equipment from a dental supplier and quality used equipment, often from a retiring practice, both qualify. A full operatory build-out can be structured as one financing, which matters for new practices where chairs, imaging, sterilization and cabinetry all arrive before the first patient does.
The case for going digital
The strongest financing case in dentistry right now is digital. Intraoral scanning, cone-beam imaging and in-house milling change both the clinical offering and the economics: same-day restorations keep revenue in the practice that previously left with a lab prescription, and patients increasingly expect digital workflows. These systems are exactly the kind of asset that argues for a lease structure, because the technology cycle is faster than the equipment's physical life and an upgrade path matters more than eventual ownership. Infection control standards also keep sterilization equipment on a real replacement cycle rather than a run-to-failure one, and provincial college requirements make current, maintained sterilization a condition of practice rather than a nice-to-have, which is exactly the kind of predictable obligation a financing schedule absorbs well.
Associates buying in or opening their own
Associates buying into a practice or opening their own face the classic startup problem, strong earning capacity and little accumulated capital, and startup financing structures exist for exactly that profile. Established practices can use sale-leaseback on owned equipment to fund a renovation or an additional operatory without touching the operating line. Applications above $250,000 require financial statements, and we walk you through the lender file before anything is submitted. Both lease structures remain options, decided mostly by tax treatment and technology plans. Tell us what the practice is adding, and we come back with terms from lenders who know dental.
