Dental practices are equipment-intensive businesses — a single CBCT scanner costs $95K, a new operatory runs $50K+, and patient financing doesn't cover your overhead. Between equipment costs, insurance delays, and the capital needed to grow — dentists need funding from lenders who understand dental economics.
This Is Why You're Here
You want to add implant services but need a $95K CBCT scanner. The manufacturer wants payment in 30 days. Your bank wants 90 days to process. The competitor across town already offers implants.
Your practice management software is end-of-life. The upgrade including hardware, training, and data migration costs $45K. This isn't optional — it's a compliance requirement.
A retiring dentist two miles away is selling — 1,500 active patients, 3 operatories, and $750K in annual collections. You need to move fast or lose the opportunity.
Your crown lab just raised prices 22% and you need to switch to an in-house CAD/CAM mill. The CEREC system is $150K but it cuts your per-crown cost from $180 to $40. You just don't have $150K sitting around.
Two hygienists quit the same week and you're bleeding $18K a month in lost cleaning revenue. Recruiting, signing bonuses, and temp coverage cost $28K before the new hires start producing.
We needed a $95K CBCT scanner to start offering implants. Basecamp matched us with a lender who financed the whole thing with the scanner as collateral — $0 down, funded in 5 days.
Dr. Kevin T., General Dentist, Charlotte, NC
Dental Financing
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
CBCT scanners, CAD/CAM mills, operatory chairs — we've financed thousands of them. The device is the collateral. Zero down in most cases. Banks don't understand dental tech. We do.
A retiring dentist's patient list won't wait 90 days for your bank. Our SBA lenders close dental acquisitions in 3-4 weeks with 10% down. You keep the opportunity.
A $95K CBCT scanner at a 35% tax rate? That's $33K back year one. We help dentists finance equipment specifically to maximize Section 179 deductions.
Crown labs, implant parts, composite materials — $8K-$15K a month in supplies that insurance won't reimburse for 60 days. A credit line bridges that gap permanently.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Digital X-ray upgrade | Film to digital conversion, CBCT scanner for implant cases | Equipment Financing | $50K–$150K | 3–5 days |
| Associate dentist recruitment | Signing bonus + office renovation for second operatory | Working Capital | $25K–$60K | 1–3 days |
| Insurance reimbursement lag | Delta/Cigna paying 60–90 days out, payroll due Friday | Working Capital | $20K–$80K | 1–3 days |
| Practice acquisition | Senior dentist retiring, buying the practice and patient base | SBA Loans | $200K–$1M | 30–60 days |
| Sterilization compliance | New autoclave, cassette system, and OSHA upgrades | Equipment Financing | $15K–$35K | 3–5 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 6mo-5yr | 8-18% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-10yr | 5-14% APR | 3-7 days |
| Business LOC | $10K–$5M | Revolving | 8-22% APR | 1-5 days |
| SBA Loans | $50K–$5M | 10-25yr | 6-10% APR | 3-6 weeks |
| Term Loans | $50K–$5M | 1-5yr | 7-16% APR | 1-5 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| CBCT scanner | $95,000 | 40% | $95,000 | $38,000 | $57,000 |
| CAD/CAM milling unit | $45,000 | 35% | $45,000 | $15,750 | $29,250 |
| Digital X-ray sensors | $28,000 | 35% | $28,000 | $9,800 | $18,200 |
Finance the equipment. Keep your cash. Take the deduction. Your cbct scanner costs $57,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Dental Capital Uses
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Electronic health records, practice management, telehealth platforms, patient portals.
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your dental business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Dental is the most equipment-heavy practice in healthcare. Period. A CBCT scanner runs $95K. A full operatory build-out is $50K+. CAD/CAM system? Another $150K. And your bank wants 25% down and 8 weeks to think about it. Meanwhile, the dentist across town already has implant capabilities and is taking your patients.
Here's what I tell every dentist — finance the equipment, let it pay for itself. A $95K CBCT scanner doing implant cases generates $15K-$20K a month in new revenue. Your payment is $1,900. And Section 179 lets you write off the full $95K in year one. If you're eyeing a retiring dentist's practice with 1,500 patients? Our SBA lenders close in 3 weeks, not 3 months. One application. 60 seconds. No credit pull.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide