Pricing. The 100%-financed structure carries a slightly higher APR than a 10%-down structure because the lender's LTV against equipment value is higher. The difference is typically 25–75 bps.

Equipment financing

No-Money-Down Dental Equipment Financing

Updated June 1, 2026

Specialty dental lenders routinely fund 100% of equipment cost plus install, freight, and training — no down payment — for credit-strong DDS/DMD borrowers. That's the standard structure for an established practice's equipment refresh and for the equipment portion of a de-novo or acquisition. We match against the lenders running this program.

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No hard credit pull to start. · Takes about 2 minutes.

Structure

How this product is shaped.

100% common on 700+ credit. Down-payment requirements (if any) shrink as credit and time-in-practice strengthen.
Soft costs included. Install, freight, training, and the first year of service contracts often roll into the financed amount.

FAQ

Frequently asked.

What's the catch?: Pricing. The 100%-financed structure carries a slightly higher APR than a 10%-down structure because the lender's LTV against equipment value is higher. The difference is typically 25–75 bps.

See your match.

Soft-pull first. One hard pull only with the lender you choose.

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