Can I finance a full multi-operatory build-out?

Yes. Several chairs, delivery units, lights, and cabinetry can be bundled on a single financing when they appear on the same quote or project invoice. The combined package is valued during underwriting, and structure and term are subject to approval.

Are refurbished dental chairs eligible for financing?

Dealer-refurbished chairs are commonly considered. We typically request the make, model, year, and refurbishment scope so the unit can be valued, with term length often matched to the remaining service life. Approval is subject to underwriting.

Can installation and plumbing be included in the amount financed?

Installation, utility connections, and operatory setup can often be bundled when itemized on the dealer or contractor quote alongside the chair. Whether soft costs are included is determined during underwriting.

Do new practice owners qualify to finance dental chairs?

Startup and newly acquired practices are reviewed case by case, considering the dentist's credentials, the practice plan, and the equipment. Financing for new owners is possible but always subject to underwriting and approval.

Equipment Financing

Dental Chairs Financing

Direct answer

RCR International Finance LLC finances dental chairs and integrated operatory units for general, specialty, and group practices. Funding can cover a single new chair or a multi-operatory build-out, including the delivery unit, light, and assistant package, structured as an equipment loan or lease. Eligible units, terms, and any down payment are subject to underwriting and approval based on the practice and the equipment quote.

Start an Application Call +1 248-939-2646

10-15 years

Typical useful life

New & used

What's financed

Loan / lease

Both available

The asset

Secured by

Subject to underwriting and approval.

Reviewed by the RCR International Finance LLC team

Commercial finance specialists · Last reviewed January 2026

Written to reflect how dental chairs financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for dental chairs before you apply.

Open the estimator

What dental chairs you can finance

A representative sample of eligible assets in this category.

A-dec 500 and 300 operatory packages
Midmark UltraComfort and Elevance chairs
Pelton & Crane Spirit and Helios units
DentalEZ Forest and J/V-Generation chairs
Belmont Cleo and Voyager II chairs
Planmeca Compact i5 units
Hydraulic and electromechanical operatory chairs

Financing dental chairs: the basics

RCR International Finance LLC arranges dental chairs financing for businesses acquiring medical equipment. Because the asset secures the deal, dental chairs is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.

New dental chairs ship with full manufacturer warranty and the latest delivery-system options, which suits practices building or renovating operatories for long-term use. Used and dealer-refurbished chairs are commonly financed and are evaluated on age, upholstery and hydraulic condition, and remaining service life. Both new and used purchases are subject to underwriting and approval.

An equipment loan builds ownership and equity in the operatory, which fits established practices keeping chairs through their full service life. A lease can lower upfront cost during a build-out and ease upgrades when a practice grows or rebrands. The right structure depends on cash flow, tax planning, and how long you intend to keep the chairs.

Loan vs lease: which fits this asset?

Both options finance dental chairs, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.

Equipment Loan

Build ownership

You own the equipment outright at the end of the term
Builds equity in the asset as you pay it down
Best for equipment with a long, productive useful life
Payments are typically higher than a comparable lease

Equipment Lease

Lower payments, flexibility

Lower monthly payments to preserve cash flow
Flexibility to upgrade, renew, or return at term end
Best for assets you replace or upgrade often
End-of-term purchase options may be available

Soft costs you can often include

Financing frequently covers more than the sticker price, so the asset is working from day one.

Delivery and operatory installation

Roll delivery and operatory installation into the financed amount where the structure allows.

Plumbing, electrical, and air/water utility connections

Roll plumbing, electrical, and air/water utility connections into the financed amount where the structure allows.

Dealer setup and pre-delivery inspection

Roll dealer setup and pre-delivery inspection into the financed amount where the structure allows.

Staff orientation on the delivery unit

Roll staff orientation on the delivery unit into the financed amount where the structure allows.

Applicable sales and use taxes

Roll applicable sales and use taxes into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the dental chairs and obtain a vendor quote with specifications.

Apply

Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.

Loan or lease

Choose an ownership-building loan or a lower-payment lease, subject to approval.

Vendor payment

On approval, financing pays the vendor and you take delivery.

Documents to finance dental chairs

Signed equipment quote or invoice from the dental dealer
Three to six months of recent business bank statements
Most recent business tax return
Equipment details: make, model, configuration, and condition
Dental license or practice ownership documentation
Completed credit application

All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.

Industries that finance dental chairs

Healthcare

Financing clinical, imaging, and diagnostic equipment

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Medical Practices

Financing clinical and diagnostic equipment

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Professional Services

Covering payroll against net-term client invoices

Explore →

Key takeaways

Dental Chairs can be financed new or used, with the equipment itself serving as collateral.
Choose a loan to build ownership or a lease for lower payments and flexibility.
Soft costs such as delivery and operatory installation and plumbing, electrical, and air/water utility connections can often be rolled into the financed amount.
Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.

Proven Track Record

$566M+ funded across 78+ real closings

Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.

View Recent Closings

Finance dental chairs for your business

RCR International Finance LLC can help you compare loan and lease options for dental chairs.

Start an Application Call +1 248-939-2646

All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.

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