Built for Dental Equipment Dealers & Manufacturers
Dealers · Distributors · OEMs · Digital Dentistry Manufacturers · Practice Build-Out Firms
Place More Equipment with Financing Built for Dental Practices.
Whether you’re placing a single operatory, a CBCT in an established practice, a scanner and mill in a practice going digital or a full equipment package for a startup, FPG helps your sales team present financing earlier and keep the deal moving forward.
Financing should not be the thing your team reaches for after a practice says the capital isn’t there. Introduced earlier in the conversation, it turns a large one-time equipment cost into a monthly payment a practice can plan alongside rent, staff and lab costs — and lets them add the capability now rather than next year.
Start your dental equipment financing program
Tell us what you sell and how your team quotes. We’ll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Keep Deals Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000 — which covers most single-practice equipment transactions outright. Healthcare TeamDedicated healthcare vendor finance specialists who work with practice buyers every day.
Financing that works at the speed of a dental equipment sale
Dentists make equipment decisions themselves, often at a meeting or a show, and a stalled quote cools fast. Speed alone is not enough — sellers also need flexible structures and people who work with practice buyers every day.
The Equipment Seller’s Perspective
Financing should help create the yes — not show up after the no.
Your priority is to place equipment, shorten the sales cycle and protect price. When financing is treated as an afterthought, the practice may already have decided to keep sending the work out, run the old units another year, buy refurbished of unknown history, outfit fewer operatories than the practice plan calls for, or wait until next year.
Bring the procedure in-house
A practice referring cases out or sending work to a lab is paying for it either way. Financing lets them bring the capability in-house on their own timeline rather than waiting for capital.
Outfit the full practice plan
Presenting financing early keeps all the operatories, the imaging and the sterilization in the project instead of cut to what this year’s cash covers.
Protect your price
Give practices structure and payment flexibility before discounting the equipment or absorbing install and training becomes the easiest way to save the deal.
Give startups and new owners a path
Many of these buyers are new practice owners or associates buying in, with real plans and thin financials. More financing options mean fewer conversations that end because of how long the practice has been open.
We Speak Dental
Built around the equipment a practice runs every day
FPG finances dental equipment and the equipment around it, from a single operatory to a full practice package. We underwrite the buyer and understand that equipment type, configuration, install scope, resale value and the practice’s profile can all influence how a transaction should be structured.
Digital Imaging & X-RayCBCT, panoramic and cephalometric systems, intraoral sensors and cameras, and digital radiography.
Operatories & ChairsDental chairs, delivery systems, operatory lights, cabinetry, stools and complete operatory packages.
CAD/CAM & Digital DentistryIntraoral scanners, mills, 3D printers, furnaces and design software for in-house restorative work.
Sterilization & UtilityAutoclaves and sterilizers, instrument washers, compressors, vacuum systems and utility room equipment.
Lasers & Specialty EquipmentSoft and hard tissue lasers, apex locators, electrosurgery units and specialty treatment equipment.
Startup & Expansion PackagesComplete equipment packages for a new practice, an added location or an operatory expansion.
Small Tools & HandpiecesHandpieces, curing lights, scalers, hand instruments and small equipment, financed as part of a larger order.
Practice TechnologyPractice management and imaging software, workstations, patient-facing displays and front-office technology.
Selling a multi-operatory build-out, a startup package or a project that spans imaging, operatories and digital equipment? FPG can structure financing around the full equipment transaction rather than one quote at a time.
Why Equipment Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including startups and new practice owners
- Application-only financing that covers most single-practice transactions
- Support for multi-operatory packages, startup equipment and multi-location groups
- A dedicated healthcare finance team that works directly with your sales reps
People who understand practice buyers
Dental equipment deals are not generic business financing. The buyer is usually the dentist, not a procurement department. The practice may be weeks old or thirty years old. The equipment needs installing, plumbing and training. FPG’s healthcare vendor finance team works with these buyers every day and knows how to keep a transaction moving without adding friction to your sale.
Your FPG healthcare vendor finance team
Peg NielsenSVP — Healthcare Vendor Finance
Kevin AngeloManager, Sales & Client Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the practice, the equipment and what they want at the end of the term. FPG can structure the sale around the transaction instead of forcing every buyer into the same financing box.
Equipment Finance Agreements
Traditional structures for practices that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for practices that intend to own the equipment at the end of the term.
End-of-Term Options
Structures that give a practice defined choices at the end of the term — return, renew or purchase — rather than being left with aging equipment.
Deferred Payments
Structures that can help a practice get through installation, training and the first weeks of production before regular payments begin.
Step Payments
Lower early payments that step up over the term, useful for a practice adding a service or a new location ramping its schedule.
Startup & New Owner Structures
Approaches built for new practices and associates buying in, where a shorter term or a down payment can open a path that a standard structure would not.
Multi-Operatory & Package Transactions
One transaction covering several operatories plus imaging, sterilization and cabinetry, instead of separate paperwork for each quote.
New & Used Equipment
Financing for new equipment and for qualifying pre-owned and certified refurbished units.
Delivery, installation, plumbing and electrical connection, training and freight can be included alongside the equipment, so practices can finance the complete setup rather than the units alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the practice and the next placement instead of chasing financing paperwork.
1
Quote the Equipment
Your rep builds the proposal around the operatories, imaging, digital equipment and training the practice needs.
2
Present Financing
Introduce payment options in the same conversation instead of waiting for a capital objection.
3
Practice Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance, or once installation is complete for plumbed and installed equipment.
6
Place the Next Package
Your reps stay focused on practices, groups and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a practice visit or on a show floor.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your price and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA payment option they can put on the quote alongside the equipment price
Ongoing Enablement
A dedicated healthcare finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help practices evaluate the payment, not just the equipment price.
A practice already budgets monthly for rent, staff, supplies and lab work. A monthly payment puts equipment in that same column — a planned operating cost rather than a one-time capital decision competing with everything else in the practice.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $35,000Example: operatory package with chair, delivery and light | $1,105 | $863 | $718 | $622 |
| $125,000Example: CBCT system, or a scanner and mill for in-house restorative work | $3,946 | $3,081 | $2,565 | $2,223 |
| $450,000Example: complete equipment package for a startup or added location | $14,207 | $11,093 | $9,234 | $8,001 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Dental Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a practice raises cost?
Introducing financing earlier gives the practice more ways to evaluate the purchase. Instead of discussing only the equipment price, your rep can frame the decision around a monthly payment alongside the rent, staff, supplies and lab costs the practice already budgets for.
Can FPG help dental startups and associates buying into a practice?
Often, yes, for the equipment. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A new practice usually means a shorter term or a down payment rather than a decline. FPG finances the equipment in a startup — the rest of a practice project is handled separately.
Can a full startup equipment package be financed in one transaction?
Yes. Operatories, imaging, sterilization, cabinetry and digital equipment can be structured as a single transaction rather than separate paperwork for each quote.
Can delivery, installation, plumbing and training be included?
Yes. Delivery, installation, plumbing and electrical connection, training and freight can be included alongside the equipment, so the practice finances the complete setup rather than the units alone. Amounts and structure are subject to credit approval.
Can CAD/CAM and digital equipment be financed with the software?
Yes. Scanners, mills, printers and furnaces can be financed along with the design software and training that come with them.
Can small tools and handpieces be included?
Yes, as part of a larger equipment order. Handpieces, curing lights and small instruments are typically financed alongside an operatory, imaging or startup package rather than on their own.
What happens at the end of the term?
Structures are available that give the practice defined end-of-term choices — return the equipment, renew, or purchase it — rather than being left with aging units. Which options apply depends on the equipment and the transaction.
Can payments be structured around installation and opening?
Often, yes. Deferred structures can help a practice get through installation, training and the first weeks of production before regular payments begin, and step structures can support a new location ramping its schedule. Availability depends on the transaction and credit approval.
Do you finance pre-owned and certified refurbished equipment?
Yes. FPG finances new equipment and qualifying pre-owned and certified refurbished units. Age, condition and resale value typically affect the term rather than eligibility.
Can a DSO or multi-location group finance across sites?
Yes. A group project can be structured as one transaction, or additional locations can be added later without restarting the process for every site.
How fast are decisions?
Most credit decisions come back in two to four hours. Startup packages, larger multi-operatory transactions, newer practices, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG’s direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance, or once installation is complete for plumbed and installed equipment. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise send a practice toward fewer operatories or next year’s budget.
Build Your Financing Program
Turn financing into a competitive advantage for your sales team.
Whether you sell digital imaging, operatories and chairs, CAD/CAM and digital dentistry, sterilization and utility equipment or complete startup packages, FPG can help you build a financing program designed to place equipment, protect your price and give practices more ways to say yes.
Start your dental equipment financing program
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.