Dental Chair & Operatory Delivery Financing
A new operatory's chair + delivery system + light + cabinetry typically runs $15K–$30K per op; refurbished units start around $5K. Chairs are a long-life investment (12–20 years for a quality unit) and rarely the technology-refresh play that CAD/CAM is — finance, don't lease.
Typical cost: $5,000–$30,000
No hard credit pull to start. · Takes about 2 minutes.
What drives the price spread.
A-dec, Belmont, Pelton & Crane, and Midmark anchor the new-chair market. A full new-build operatory (chair + delivery + light + assistant's cart + cabinetry + plumbing) runs $20K–$40K installed. Refurbished A-dec chairs from reputable dealers run $4K–$8K and serve well for satellite operatories or cost-sensitive de-novos.
Placement-in-service mechanics.
Place in service by 12/31: installed, plumbed/electrically connected, and a first patient seated. New-build operatory install runs 2–3 days once the room is built out. The bottleneck is buildout — if the room isn't ready, the chair can't be placed in service.
Lease vs. finance for this equipment.
Almost always finance. Chairs depreciate slowly and you keep them. EFA / $1-buyout fits.
What lenders typically finance.
- A-dec 300 / 500 / 511
- Belmont Quolis / Clesta
- Midmark UltraComfort
- Pelton & Crane Spirit / Helios
Brand-specific financing pages launch in Wave 2.
Questions about financing this.
- Can I finance a 4-op operatory refresh as one project?
- Yes — bundling 4 chairs + delivery + cabinetry into a single project loan beats four separate equipment loans on pricing and servicing.