Medical and Dental Equipment Financing: Chairs, Imaging, and Practice Build-Outs

You went to school to practice medicine, not to negotiate with a bank about a CBCT scanner.

Everlasting Capital finances medical, dental, and veterinary equipment — new and used, from a single operatory to a complete practice build-out. Approvals often come back in hours. Funding can follow in as little as 24 hours.

Apply now at everlastingcapital.com/apply

What we finance in healthcare

Dental

• Operatory packages — chairs, delivery units, lights, stools
• Digital imaging — intraoral sensors, panoramic, CBCT / 3D cone beam
• CAD/CAM — mills, scanners, 3D printers, furnaces
• Sterilization — autoclaves, ultrasonic cleaners, handpiece maintenance
• Lasers, cavitrons, curing lights, compressors and vacuum systems

Medical

• Exam room equipment — tables, lights, diagnostics
• Imaging — ultrasound, X-ray, DEXA, C-arm
• Aesthetics and dermatology — lasers, IPL, body contouring, RF microneedling
• Lab and diagnostic analyzers
• Physical therapy and rehab equipment
• Surgical and procedure room equipment

Across the board

• Practice management software and IT infrastructure
• Waiting room and office furnishings
• Build-out and leasehold improvements
• Practice acquisition equipment packages

Amounts from $1,000 to $2,000,000.

Cash flow: a scanner doesn't bill on day one

New equipment in a practice means install, calibration, staff training, workflow changes, and then — eventually — production. That gap is real, and it's why we offer deferred payment options: full payments can be delayed while the equipment gets installed and your team gets up to speed, so the asset starts producing before it starts costing.

Terms up to 60 months keep the payment where your production can carry it. 100% financing covers what the quote leaves out — delivery, install, plumbing and electrical for an operatory, training, the software license, the taxes.

New practice or new associate coming on? The equipment purchase and the revenue that justifies it are often six months apart. Structure the deal for the gap, not for the ideal.

New vs. used in healthcare

Buy new when the technology is the product. Imaging, CAD/CAM, aesthetics lasers — these evolve fast, patients notice, and being a generation behind is a competitive problem, not just an equipment problem. Warranty and manufacturer support matter enormously when a failure means canceling a day of patients.

Buy used when it's furniture and fundamentals. Chairs, cabinetry, sterilizers, compressors, exam tables, vacuum systems. This equipment is built to last decades, and practice closures and consolidations put excellent units on the market regularly. A refurbished operatory package at a fraction of new does the same dentistry.

Used qualifies for the same first-year write-off as new — bonus depreciation requires first use by your business, not first use ever.

Leasing is worth a serious look here, more than in most industries. If the equipment goes obsolete before it's paid off — which describes a lot of imaging and aesthetics — leasing keeps you current, keeps the payment lower, and gives you an upgrade path at the end of term. Ask us about it.

Section 179: deduct the equipment this year

Qualifying equipment placed in service before December 31 can be written off in full in year one under Section 179 and 100% bonus depreciation — on financed equipment, not just cash purchases.

Example: you finance a $110,000 CBCT unit in September and have it installed and scanning in November. You may be able to deduct the full $110,000 against 2026 income while a fraction of that has actually left your account.

For practices structured as pass-throughs, the interaction between Section 179, bonus depreciation, the taxable income limitation, and your personal return is genuinely worth a real conversation with your CPA — not a quick email. There's meaningful money in getting the ordering right.

The equipment must be placed in service — installed and ready for use — by December 31. For anything requiring construction, plumbing, lead shielding, or a state inspection, work backward from that date generously.

Why we're a good fit for practices

Healthcare has an odd financing profile. Practices are often excellent credit risks with strong, predictable revenue — and simultaneously carry enormous student debt, a young business entity, and a personal balance sheet that makes bank underwriting nervous. New practitioners get declined constantly despite being exactly the kind of borrower who reliably pays.

We underwrite the asset. There's equipment with a documented market value standing behind the deal, and a practitioner with earning capacity behind that. That's a different conversation than a debt-to-income formula.

Bad credit, no credit, great credit, or a practice you're opening in the spring: it's a conversation. We've been doing this since 2012.

What to have ready

1. The equipment quote — itemized, with make, model, and install scope
2. Basic practice info — time in operation, annual collections, specialty
3. Recent business bank statements — usually the last three months
4. Your lease or build-out plan, if applicable
5. A target payment — what your production supports

Let's get you practicing

Everlasting Capital finances medical, dental, and veterinary equipment from $1,000 to $2,000,000 across all 48 continental states — new and used, financing and leasing, terms up to 60 months, deferred payment options, up to 100% financing including delivery, installation, and training.

Applications take minutes. Approvals often in hours. Funding in as little as 24 hours.

Apply now at everlastingcapital.com/apply

Everlasting Capital is not a tax advisor and this article is not tax advice; consult a qualified tax professional regarding Section 179, bonus depreciation, the taxable income limitation, and pass-through treatment for your practice. Financing terms, amounts, and approval times vary by program, credit profile, and equipment type, and are subject to underwriting approval.