Finance New Operatories From 5.49% APR

A complete op on one note

Chair, delivery, light, stools, and cabinetry financed together. Add a revenue-producing column without a five-figure cash hit.

Rates from 5.49% APR

Qualified general dentists start at 5.49% APR, set by credit and time in practice and quoted up front. Never guaranteed, always a real number.

500+ lenders, all credit profiles

One chair or six, strong credit or challenged, we shop your deal across more than 500 funding sources for a program that fits.

Buildout budget stays intact

The payment often lands near what a hygiene column bills in a day or two, so your cash stays in the lease, imaging, and staff.

An operatory is more than a chair. A fundable op package is the whole column:

• Patient chair. The A-dec 500 is the premium standard, built in Newberg, Oregon, at roughly $8,000 to $12,000 for the chair alone. The Midmark UltraTrim and Elevance lines and DentalEZ cover the mid-tier; a Pelton & Crane Spirit is a common replacement target.
• Delivery system. Over-the-patient (continental) or rear/side delivery, holding handpieces, air-water syringe, and often an ultrasonic scaler.
• Operatory light. An A-dec LED or Pelton & Crane Helios, $1,500 to $4,000.
• Stools. Doctor and assistant, $600 to $1,200 each.
• Cabinetry and imaging. A-dec Inspire or Midmark Artizan cabinetry adds $8,000 to $20,000, and a DEXIS or similar intraoral sensor rounds out the room.

A full A-dec 500 op package (chair, delivery, light, stool) commonly runs $25,000 to $40,000; add cabinetry and imaging and a complete op lands between $15,000 and $45,000 depending on spec. We finance the entire column on one note so the room opens ready to produce, not half-equipped.

Recent operatory notes we placed. Real numbers, names withheld:

• $92,000 | Columbus, OH general dentist, 8 years in practice. Three A-dec 500 operatory packages (chairs, continental delivery, LED lights, stools), taking the office from four chairs to seven. Credit 731. 5.49% APR, 66 months, first payment only down.
• $34,000 | Reno, NV startup GP, 5 years as an associate. Two Midmark UltraTrim operatories. Credit 709. 5.99% APR, 60 months, 5% down.
• $28,000 | Atlanta, GA established practice, 22 years, replacing worn Pelton & Crane units. One A-dec 500 op plus Inspire cabinetry. Credit 758. 5.74% APR, 48 months, no money down.
• $45,000 | Miami, FL general practice, 6 years. Two A-dec 500 ops and two intraoral sensors. Owner carried challenged credit; funded at 6.79% APR, 60 months, 10% down.

Soft-pull pre-quotes, funding inside 48 to 72 hours once invoices are in.

Think of an op the way an accountant does: a chair is a column that produces revenue for as long as it runs. A GP restorative operatory at reasonable capacity produces in the range of $400,000 to $600,000 a year; a hygiene column commonly clears $200,000 or more. Against that, a $30,000 op financed over 60 months carries a payment near $580 a month. If the room adds even a couple of productive hours a day, the production dwarfs the payment. That is why adding chairs, not cutting costs, is usually the fastest way to grow a GP practice, and why the monthly is easy to justify.

On taxes, Section 179 lets you deduct the full purchase price of qualifying equipment the year it is placed in service instead of depreciating it over seven years. For 2026 the ceiling is well above $1 million (expanded for 2025 and later), with 100% bonus depreciation past the cap. Financed operatories qualify in full even after only a few payments. On a $92,000 three-op build, a practice in a 35% bracket sees roughly $32,200 in first-year tax savings, cutting the effective cost near $59,800. Confirm current limits with your CPA.

Whether you are building out a new office or squeezing three more ops into an existing floorplan, the chairs are the part that pays you back, so they are the part worth financing rather than paying cash. Keep your capital for the lease, the CBCT, the practice-management software, and the hiring, and put the operatories on a note.

How we structure op financing:

• Application-only approvals up to about $250,000 for most established practices, no full financial package.
• All credit profiles. Strong-credit GPs see the lowest rates; challenged credit still funds at terms that fit the file.
• New, used, or refurbished A-dec, Midmark, DentalEZ, and Pelton & Crane all qualify.
• Terms from 24 to 72 months, with deferred and step options for a startup or an expansion still ramping.

As a broker we place your deal across more than 500 lenders, matching you to the right program instead of a single lender's box. Soft-pull pre-quotes never touch your credit. One point of contact takes you from quote to funded, usually inside 48 to 72 hours once invoices are in.

Can I finance a full operatory, not just the chair?

Yes. Chair, delivery system, light, stools, cabinetry, and an intraoral sensor can all go on one note. We fund the whole column so the room opens ready to produce.

Do you finance A-dec and Midmark specifically?

Yes. A-dec 500, Midmark UltraTrim and Elevance, DentalEZ, and Pelton & Crane are all fundable, new, used, or refurbished. We match the equipment to the right lender.

I am adding three ops to an existing office. Can that be one note?

Yes. Multi-op builds go on a single note regularly. A Columbus GP recently financed three A-dec 500 ops together to go from four chairs to seven.

What if my credit is not perfect?

We work with all credit profiles across 500+ lenders. Challenged credit still gets funded at terms that reflect the file. A soft-pull pre-quote shows where you stand with no hard inquiry.

How fast is funding?

Most application-only approvals come back the same day, with funding inside 48 to 72 hours once we have equipment invoices.