Disclosures & methodology
Details behind the structural promises and ranges dentalequipment.finance publishes.
Soft-pull match
dentalequipment.finance runs a soft credit inquiry to find lender matches. Soft inquiries are not visible to other lenders and do not affect your credit score. See methodology for the inquiry sequence used during application.
One hard pull, only with the lender you pick
A hard credit pull happens only after you choose a specific lender and move forward on their term sheet. You see APR, term, and total cost before any hard pull. Multiple hard pulls within a 14-day rate-shopping window count as a single inquiry under common credit-scoring models.
Section 179 placement-in-service deadline
To claim Section 179 in the current tax year, financed equipment must be placed in service by 12/31. Financed equipment qualifies — you do not need to pay cash. Confirm current-year deduction limits and phase-out thresholds with your CPA before relying on any projection.
Specialty-lender pricing range
Ranges reflect offers issued by panel lenders to qualified dental borrowers (DDS, DMD) under dental-specialty programs. Actual approval amount and APR depend on monthly production, time in practice, credit band, equipment ticket, and lender underwriting. Some borrowers qualify outside the shown range via separate products not described on the landing page.
Composite illustrative scenarios
Cards on the home labeled "composite scenarios" are illustrative examples constructed from the categories and amount bands our intake commonly sees. They do not represent specific borrowers, transactions, or guaranteed outcomes.
Lender-paid referral fee
dentalequipment.finance is paid a flat referral fee by the lender you choose. The fee is disclosed on every term sheet and does not change your APR, term, or fees. We do not accept payment in exchange for ranking or recommending specific lenders.
State commercial-financing disclosures.
Several U.S. states require commercial-financing providers to include standardized disclosures on term sheets (e.g., California SB 1235 / DFPI regulations, New York Commercial Finance Disclosure Law, Utah Commercial Financing Registration and Disclosure Act, Virginia Commercial Financing Disclosure Law, with Florida proposed). dentalequipment.finance is not the lender of record; the lender of record on each term sheet provides jurisdiction-specific disclosures as required.
Business-purpose financing only.
Dental equipment and practice financing routed through this site is business-purpose, commercial financing — not consumer credit. Federal Truth-in-Lending (TILA / Regulation Z), CFPB jurisdiction, and state consumer-credit licensing do not apply.