Refinancing
Dental Equipment Refinancing & Debt Consolidation
Equipment debt from the distributor's finance arm or from a generalist lender often prices well above what a dental-specialty bank would charge today. If your file is stronger now than when you took the original debt (practice grew, credit improved, time-in-business cleared 2 years), refinancing usually pays for itself in the first 12 months.
No hard credit pull to start. · Takes about 2 minutes.
Structure
How this product is shaped.
- Rate reduction on improved files. Common to drop 200–400 bps when refinancing from a distributor finance program to a bank specialty program.
- Consolidate multiple equipment loans. Roll 3–5 equipment loans into one term to simplify servicing and often improve the blended rate.
FAQ
Frequently asked.
- Will refinancing trigger prepayment penalties?
- Some equipment leases carry termination penalties; most equipment loans do not. We surface the breakage cost before the refi closes so the math is clear.
See your match.
Soft-pull first. One hard pull only with the lender you choose.
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