How Do Edmond, OK Dental Offices Finance Chairs, CBCT Imaging and Intraoral Scanners?

A dental chair, its delivery unit and its light are equipment. The water, air, suction and power lines that feed them, and any cabinetry built into the operatory, are property work that stays outside this site, so a quote that bundles installation needs those lines split out before a request.

Illustration only, invented figures: a practice replaces 3 chair packages at $27,600 each, $82,800 in all. Kept together on one 84-month agreement priced at 9.8% a year, the three chair packages cost $1,366.04 a month in this invented case. Split in this invented case into two packages now ($55,200) and one a year later ($27,600) at the same rate and term, the practice pays $910.69 a month for the first year and $1,366.04 after that, and the last agreement ends a year after the first.

Across the full terms, the invented interest comes to $31,947.36 either way. With the same rate and term, splitting changes when the third chair is paid for, not what it costs. Separate agreements can also be paid off one at a time if the offer allows it, while a single agreement keeps one payment date. A term loan is a third route, a lump sum the practice uses to buy the chairs outright.

CBCT units and intraoral scanners come with a long list of extras on the quote: software licenses, training, a service plan and, for a CBCT, work to prepare the room. The unit, its software license and the training bought with it can be financed together. A yearly service plan is an operating cost. Lead shielding, new circuits and any wall or door work are property work outside this site.

Illustration only, invented figures: a CBCT unit with its software and training is quoted at $96,750, and an intraoral scanner with its cart at $27,480. In this invented case, the CBCT at a 10.1% annual rate over 72 months costs $1,797.26 a month, and the scanner at 9.75% over 48 months costs $693.67, for $2,490.93 a month together.

The equipment financing page sets a loan against an equipment finance agreement on an intraoral scanner. This post looks at terms across several devices instead.

Printing models, night guards and surgical guides in the office takes a printer and a wash and cure station. Illustration only, invented figures: the printer is quoted at $6,980 and the wash and cure station at $1,460, $8,440 together. Spread over 30 months at a 9.65% annual rate, the invented printer set costs $317.76 a month; by the last of those payments the practice has paid $9,532.80, which includes $1,092.80 of interest.

Resin, build plates and other printing supplies are used up job by job, so they belong with operating costs, which a credit line can carry from one order to the next. The dental office page weighs a chairside milling unit against an outside lab, a different decision from printing models and guards.

No single term fits every device. A practice that expects to replace a scanner sooner than a chair can give the scanner a shorter term, so no payment outlasts the device it paid for. Carrying this post's invented agreements forward (the chairs on one agreement) gives this monthly pattern:

In this invented case, the monthly total steps down three times, from $4,174.73 to $1,366.04, and in this invented plan each step comes when the practice planned to look at replacing that device. How long a device stays useful is the practice's own estimate; the dealer can say how long it supports a model.

To talk through a set of quotes, call (405) 526-4987 or send the request form.