Apply for dental financing
- Soft pull — no credit impact
- No upfront fees, ever
- Bank-grade encryption
Application infrastructure is SOC 2 Type II audited and used by major US lenders.
Questions before you apply
You see a soft-approval range and a shortlist of 2 to 4 matched dental-specialty lenders. You pick the lender that fits. The chosen lender runs a hard pull and sends a final term sheet (APR, term, total cost). You review, ask questions on the phone, e-sign from your phone, and the wire goes out (or equipment-financing docs disburse to the vendor) once the lender clears final docs.
Not at the start. The dentalequipment.finance application is a soft-pull match — soft inquiries are not visible to other lenders and do not affect your credit score. A hard pull only happens once you pick a specific lender and move forward on their term sheet. If you compare offers from multiple lenders, hard pulls inside a 14-day rate-shopping window count as one inquiry on most scoring models.
No. The dentalequipment.finance application is free. Lenders on the panel pay dentalequipment.finance on funded loans — the dentist pays nothing to apply, nothing to match, and nothing to get a term sheet. If a lender charges an origination fee at funding, that fee is itemized on the term sheet you sign before any money moves.
The basics needed to underwrite a dental finance application: legal name and contact details, EIN or SSN, NPI and state DDS/DMD license number, monthly practice production range, time in practice, and what the funds are for (with the equipment quote or use-case detail). Bank statements, tax returns, and equipment vendor quotes are uploaded after the soft-approval step, only to the lenders you choose to move forward with.
The application is short — designed to be completed between patients. No document uploads required at the soft-pull stage. Document collection happens after you pick a lender, on that lender's secure portal.