Add clinical capacity without draining cash
Digital dentistry moves fast—CBCT, intraoral scanners, CAD/CAM mills, and sterilization standards evolve every cycle. Mehmi sells equipment directly and structures dental equipment financing so you can install, train, and start billing without starving working capital for payroll, consumables, and marketing. Start with our equipment financing overview and price scenarios in minutes using the calculator.
Typical assets we finance: chairs/units, delivery systems, lighting, CBCT/2D X-ray, sensors/plates, intraoral scanners, CAD/CAM mills, compressors/vacuum, sterilizers, operatory cabinetry, software, server/IT, and small-equipment bundles. Check Eligible Equipment.
Finance structures that fit a dental practice
| Structure |
Ownership Path |
Cash-Flow Profile |
Best For |
Learn More |
| Equipment Loan |
Own from day one |
Predictable amortization; CCA |
Long-hold items (chairs, cabinetry, vacuum/compressor) |
Loans |
| Equipment Lease |
Use now; buyout at term |
Lower monthly via residual |
Tech that refreshes in ~5 years (CBCT, scanners, CAD/CAM) |
Leases |
| Equipment Line of Credit (E-LOC) |
Draw per delivery |
Interest on draws only |
Phased buildouts: ops now, CBCT next quarter |
E-LOC |
| Refinancing / Sale-Leaseback |
Sell owned; lease back |
Immediate liquidity |
Unlock equity for renovation or hiring |
Sale-Leaseback |
| Asset-Based / Working Capital |
Borrow on assets/AR or unsecured |
Operating buffer |
Consumables, marketing, initial service plans |
ABL | Working Capital |
| In-House Financing |
Mehmi-placed approvals |
Flexible |
Startups, associates purchasing first practice |
In-House |
Buying via private sale? We can secure title and lien with Conditional Sales Contracts. Certain files may benefit from CSBFP (lender fit required).
Include soft costs so cash stays in the clinic
Most approvals can include installation, cabinetry, plumbing/electrical, shielding, IT/networking, software licenses, training, rigging/freight, and extended warranties. Rolling these into the facility reduces launch friction and preserves cash for staffing and patient acquisition.
What actually drives approvals in 2025
- Time in business & credit depth: Established practices tend to secure longer terms and sharper pricing; associates/startups can qualify with production forecasts and a sensible contribution via In-House Financing.
- Equipment profile: Year, warranty/servicing, radiation compliance (for imaging), and OEM support influence term and residuals.
- Revenue plan: Hygiene/operatory utilization, new-patient ramp, and referral sources de-risk the file.
- Phasing: If your build/install has multiple stages, an E-LOC avoids re-papering each delivery.
- Liquidity buffer: Pair the capex with Working Capital or ABL during the ramp.
Model the payment correctly (5-minute workflow)
- Open the calculator and enter the full project cost (roll soft costs in).
- Compare a loan at 60 vs 72 months to balance total interest vs monthly comfort.
- Run a lease with a modest buyout (~10%) for CBCT/scanners to lower monthly while keeping a path to ownership.
- If deliveries are staged (ops today, CBCT later), price an E-LOC.
- If you own older equipment, compare a sale-leaseback to fund deposits and marketing.
Documentation checklist for a 24–48h decision
- Government ID, void cheque, practice registration/HST
- 3–6 months business bank statements (personal if startup)
- Quotes/specs (model, software options, warranty), install plan
- Insurance broker contact and target bind date
- Production snapshot: ops count, hygiene volume, new-patient plan
Send your package via Contact Us. Our credit analysts will structure the most competitive path, subject to credit and asset review.
Case study: one room to full-suite imaging—without a cash crunch
Profile: Urban two-op clinic adding a third operatory plus CBCT to bring implant planning in-house.
Constraints: Keep cash free for an associate and marketing; phased install over 60 days.
Structure:
- Lease the CBCT with a 10% buyout to reduce monthly.
- Loan the chair/units, compressor/vacuum, and cabinetry (7-year hold) and roll soft costs (plumbing, shielding, IT) into the facility.
- Approve an E-LOC for software seats and sensors arriving in month two.
Outcome: All equipment commissioned on schedule; blended monthly ~11% lower than an all-loan plan while preserving cash for hiring and ads. Twelve months later, strong production supported refinancing on improved terms.
FAQs: Dental Equipment Financing (Canada)
Can you include installation, cabinetry, and IT?
Often yes—most soft costs can be rolled into loans or leases.
Do you finance used imaging or private sales?
Yes—subject to condition and documentation. We support title/lien control with Conditional Sales Contracts.
Is leasing cheaper than a loan?
Leasing usually lowers the monthly via a residual; loans can minimize total interest for long-hold assets. Compare both in the calculator.
I’m a new owner—can I qualify?
Often, yes—with a sensible contribution, clean banking, and a production ramp plan. See In-House Financing and whether CSBFP applies.
Can I add a working-cash top-up?
Yes—pair with Working Capital or ABL for consumables and marketing.
How fast is funding?
With a complete file, many approvals turn in 24–48 hours. Start via Contact Us.
Ready to price your dental upgrade? Run numbers in the Equipment Financing Calculator, compare Loans vs Leases, stage deliveries with an E-LOC, or unlock equity with Sale-Leaseback. Mehmi sells equipment directly—feel free to contact our credit analysts to tailor terms to your operatory mix and production goals.
.avif)