Finance a Complete Implant Suite From 5.49% APR

One note for the whole suite

Motor, guided kit, piezo, and CBCT financed together instead of four separate invoices. The department goes live as a unit, not piece by piece.

Rates from 5.49% APR

Qualified oral surgeons and periodontists start at 5.49% APR. Rates are set by your credit and time in practice, never guaranteed, and quoted up front.

500+ lenders, all credit profiles

As a broker we shop your deal across more than 500 funding sources. Strong credit or challenged credit, there is a program that fits the file.

Cash stays in the practice

Keep working capital for staff, marketing, and the buildout. A single monthly payment replaces a five or six-figure cash outlay.

An implant department is a stack of specific tools, and we finance all of them together:

• Surgical motor and physiodispenser. The NSK Surgic Pro2 and the W&H Implantmed Plus are the two workhorses. Both give you calibrated torque from roughly 5 to 80 Ncm, a 20:1 reduction contra-angle handpiece, and integrated saline irrigation. Figure $6,500 to $10,000 for a complete unit.
• Guided surgery kit. Tied to your implant system: Straumann Guided, Nobel Biocare NobelGuide, BioHorizons, Hiossen, or Neodent. $2,500 to $6,000 per system.
• Piezoelectric surgery. A W&H Piezomed or Acteon Piezotome for sinus lifts and ridge splitting, $8,000 to $15,000.
• 3D imaging. This is the big line. A Carestream CS 9600, Planmeca ProMax 3D, or Vatech Green CBCT runs $75,000 to $120,000 and is what pushes a suite toward six figures.

Buy these on four separate invoices and you float $30,000 to $120,000 before the first case pays out. We bundle the motor, the kit, the piezo, and the CBCT into one note with one payment, so the department goes live as a unit instead of arriving in fragments over a quarter.

Names withheld, the numbers are real. Recent implant-suite notes we placed:

• $96,000 | Houston, TX periodontist, 11 years in practice. NSK Surgic Pro2, a Straumann Guided surgery kit, and a Carestream CS 9600 CBCT upgrade. Credit 748. Approved at 5.49% APR, 60 months, first payment only down.
• $42,000 | Scottsdale, AZ oral surgeon, 6 years. W&H Implantmed Plus with a W&H Piezomed unit and a BioHorizons guided kit. Credit 712. 5.99% APR, 48 months, 5% down.
• $34,500 | Tampa, FL general dentist adding surgical placement, 3 years. NSK Surgic Pro and a Nobel Biocare NobelGuide kit. Credit 681. 6.49% APR, 60 months, 10% down.
• $118,000 | Denver, CO periodontal group, 15 years. Two surgical motors, a Planmeca ProMax 3D CBCT, and two surgical chairs. One partner carried challenged credit; we still placed it at 6.29% APR, 66 months.

Soft-pull pre-quotes come back same day, and funding usually lands inside 48 to 72 hours once invoices are in.

Implants are margin, not volume. A single-unit case, placement through final crown, bills roughly $4,000 to $6,000, and the surgical placement itself nets around $1,500 or more once you back out the fixture and components. A full-arch case (All-on-4 style) runs $20,000 to $28,000 per arch. Put four placement cases a month against a $96,000 suite and the note is covered several times over.

Then there is the tax side. Section 179 lets a practice deduct the full purchase price of qualifying equipment the year it is placed in service, instead of depreciating it over five to seven years. For 2026 the deduction ceiling sits well above $1 million (it was expanded for 2025 and later years), and 100% bonus depreciation applies on equipment beyond the cap. Financed equipment still qualifies: you can write off the entire cost even if you only made a few payments this year. On a $96,000 suite, a practice in a 35% bracket sees roughly $33,600 in first-year tax savings, dropping the effective cost near $62,400. Confirm current limits with your CPA, because the numbers move year to year.

We are a broker, not a single lender, and that is the point. Your application goes to a network of more than 500 funding sources, and we match the deal to the program that fits your credit profile, time in practice, and the equipment. That means:

• Application-only approvals up to about $250,000 for most established practices, no full financial package required.
• All credit profiles considered. Strong-credit specialists see the lowest rates; practices with challenged credit still get funded, just at a rate and term that reflect the file.
• New, used, or refurbished surgical motors and imaging all qualify. Buying a demo CS 9600 does not disqualify you.
• Terms from 24 to 72 months, structured around your case volume, with 90-day and step-payment options for offices ramping a new department.

Soft-pull pre-quotes do not touch your credit. Most approvals come back same day; funding lands inside 48 to 72 hours once we have equipment invoices. One point of contact from quote to funded.

What implant equipment can I finance?

Surgical motors like the NSK Surgic Pro2 and W&H Implantmed Plus, physiodispensers, guided surgery kits, piezo units, and CBCT scanners such as the Carestream CS 9600 or Planmeca ProMax 3D. New, used, or refurbished all qualify, and we can bundle several items into one note.

Do I have to be an oral surgeon or periodontist?

No. General dentists adding surgical placement finance implant suites through us regularly. Lenders look at time in practice, credit, and case plans, not just your specialty title.

Can I finance a used or demo CBCT?

Yes. Refurbished and demo units from the manufacturer or a dealer qualify. It does not change your eligibility, and it often lowers the note.

What if my personal credit is not perfect?

We work with all credit profiles. Strong files get the lowest rates; challenged credit still gets funded at terms that reflect the file. A soft-pull pre-quote tells you where you stand without touching your score.

How fast can I get approved and funded?

Most application-only approvals come back the same day. Funding usually lands within 48 to 72 hours once we have the equipment invoices.