Finance an Open-Bay Ortho Suite From 5.49% APR

Chairs in sets, one payment

Four to eight chairs, stools, and delivery financed as a single note. Open the bay complete instead of adding one chair at a time.

Rates from 5.49% APR

Qualified orthodontists 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

We shop your deal across more than 500 funding sources. Startup orthodontists and expanding groups both get matched to terms that fit.

Capital stays in the practice

Buying six chairs in cash drains a build. A monthly payment keeps money in scanners, marketing, and the second location.

Orthodontics runs on parallel throughput. The doctor works down a row of four to eight patients while assistants prep and finish, so a bay is only as productive as the number of chairs in it. Add one chair at a time and you cap the schedule; open the bay complete and you run at capacity from day one.

Ortho chairs are also a distinct product from GP chairs:

• Thin-profile and ambidextrous. No cuspidor or bulky over-the-patient delivery. The doctor and assistant approach from either side for fast bracket and wire checks.
• Sit-and-stand friendly. Built for the quick in-and-out of an adjustment visit, not 90-minute restorative appointments.
• Boyd Industries is the specialist standard, built in Florida; the BOS-245 and ELS-2830 are common. DentalEZ covers much of the rest of the market.

A single ortho patient chair runs $4,500 to $8,000. Add matching doctor and assistant stools ($500 to $1,200 each) and delivery carts, and a six-bay package lands between $12,000 and $45,000. We finance the whole set as one note so the suite opens as a working row, not a half-filled room.

Recent open-bay notes we placed. Real deals, names withheld:

• $38,000 | Nashville, TN orthodontist, 9 years in practice. Six Boyd BOS-245 chairs, matching doctor and assistant stools, and delivery units for a new open bay. Credit 744. 5.49% APR, 60 months, first payment only down.
• $27,000 | Austin, TX startup orthodontist, 6 years as an associate before going solo. Four DentalEZ ortho chairs and stools. Credit 716. 5.99% APR, 60 months, 5% down.
• $19,500 | Charlotte, NC combined pediatric and ortho practice, 12 years. Three Boyd chairs plus a treatment-coordinator chair. Credit 698. 6.29% APR, 48 months, no money down.
• $44,000 | Chicago, IL orthodontist opening a second location, 20 years. Full eight-chair Boyd open bay. Owner's credit was challenged after a divorce; funded at 6.69% APR, 66 months, 10% down.

Soft-pull pre-quotes, funding inside 48 to 72 hours once we have invoices.

In ortho, chair count is throughput, and throughput is revenue. A comprehensive case bills $5,000 to $7,000 over treatment, and most of the visits are short adjustments. Each additional chair in the bay lets you overlap another patient in the same window, so going from four chairs to six is not a 50% bump in cost, it is a step up in daily capacity that the chairs pay back over a single treatment cycle.

On the tax side, Section 179 lets a practice deduct the full cost of qualifying equipment the year it is placed in service, rather than depreciating chairs over seven years. For 2026 the ceiling sits well above $1 million (expanded for 2025 and later years), with 100% bonus depreciation on top for anything past the cap. Financed chairs qualify in full even if you have made only a few payments. On a $38,000 six-chair package, an orthodontist in a 35% bracket sees roughly $13,300 in first-year tax savings, dropping the effective cost near $24,700. Structured as a note, the payment competes with the production of a single extra chair-hour a day. Check current limits with your CPA before you file.

Furnishing an open bay out of pocket is how a healthy practice ends up cash-thin in the middle of a build. Six chairs, twelve stools, and delivery is a five-figure hit on top of leasehold, scanners (iTero or 3Shape TRIOS), and marketing for the new location. Financing turns that into one predictable payment and keeps your capital working.

How we run ortho deals:

• Application-only approvals up to about $250,000 for most established practices, no full financial package.
• All credit profiles. Strong-credit orthodontists see the lowest rates; challenged credit still funds at terms that fit the file.
• New, used, or refurbished Boyd and DentalEZ chairs all qualify.
• Terms from 24 to 72 months, with deferred and step-payment options for a startup or a second location still filling the schedule.

As a broker we place your file across more than 500 lenders, so you are matched to the program that fits, not the one lender who happened to answer. Soft-pull pre-quotes never touch your credit, and one person handles you from quote to funded.

Can I finance a whole open-bay set at once?

Yes, that is what we do. Four to eight chairs, stools, and delivery go on a single note so the bay opens complete rather than one chair at a time.

Do you finance Boyd and DentalEZ specifically?

Yes. Boyd Industries and DentalEZ are the two most common ortho brands we fund, along with matching stools and delivery. New, used, and refurbished all qualify.

I am a startup orthodontist. Can I qualify without practice history?

Yes. We fund startup orthodontists regularly. Lenders weigh your credit, background, and associate history, and we have deferred options while the schedule fills.

What if my credit took a hit?

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 you where you stand without a hard inquiry.

How long does approval take?

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