A-dec
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Mehmi Financial Group helps businesses finance and lease A-dec equipment, including chairs, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used A-dec units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About A-dec
A-dec is a dental equipment manufacturer founded in 1966 by Ken and Joan Austin and headquartered in Oregon, according to its company profile. A-dec designs dental chairs, delivery systems, lights and cabinetry for practices.
A-dec equipment
The A-dec models on our list include the A-dec 500 and 511 dental chairs. Practices usually buy chairs as part of an operatory package with delivery units, lights and cabinetry, often during a new build-out or renovation.
How lenders view dental chairs
Dental equipment is financed mainly on practice cash flow and the dentist's credit. Lenders review the quote, installation and plumbing costs, the practice's financials and, for start-ups, the business plan and patient projections.
Financing A-dec equipment
Operatory packages and full build-outs are often financed together, sometimes with deferred payments while the practice opens, subject to lender approval.
How A-dec equipment financing works
Most A-dec purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.
What lenders check on a A-dec chair
Lenders look at the practice or clinic financials, licensing, and the vendor or service agreement. Installation, software and training costs can sometimes be included, subject to lender approval.
Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and age, and financial statements or tax returns for larger amounts.
See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.
All A-dec models with financing pages
| Model | Type | Category |
|---|---|---|
| A-dec | Equipment | Medical |
| A-dec 500 Dental Chair | Chair | Medical |
| A-dec 511 Dental Chair | Chair | Medical |
Tax treatment of A-dec equipment
In Canada, the CCA class depends on the asset and how it is used. Your accountant can confirm the right class. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.
End-of-term options on a A-dec lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances A-dec equipment
Medical: medical and dental clinics, imaging centres, specialists, veterinary practices and multi-location health groups finance A-dec equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and age?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed A-dec equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance A-dec 500 dental chairs?
Yes. Lenders review the quote, installation and the practice's cash flow.
Can a full operatory package be financed?
Yes. Chairs, delivery units, lights and cabinetry are often financed together.
Can a new practice finance A-dec equipment?
Yes, often as part of a build-out package with a business plan.
Are deferred payments available during a build-out?
Some lenders offer deferred starts, subject to approval.
When was A-dec founded?
A-dec was founded in 1966 by Ken and Joan Austin.
Can installation costs be included?
Some lenders include installation when it is on the quote.
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