How Can an Angleton, TX Dental Office Finance an Implant Motor, a Surgical Kit and a Guide Printer?

Referring implant cases out costs the office nothing up front. Keeping them in the office means owning the tools that do the work, and those tools last for years while the supplies around them are used up every month. That difference decides which product fits each cost.

• The surgical implant motor with its handpiece and irrigation pump: a machine with a model and serial number, which equipment financing can carry with the motor itself as collateral.
• The surgical instrument kit with drills, drivers and torque wrench: often quoted with the motor, so one term loan with a fixed payment can hold both.
• A 3D printer with wash and cure units for surgical guides: another machine, on the same quote or a second one.
• Resin, guide sleeves and the course fee for the dentist and an assistant: used up or spent once, which suits a business line of credit repaid over a month or two.

If any piece needs new wiring, cabinetry or plumbing in the operatory, that work is property work and stays outside this site; the request covers the equipment only.

Here is one invented quote, with prices made up for this example and not taken from any dealer.

Spread over 60 invented monthly payments at an annual rate of 10.85%, also invented, the $24,325 package costs $527.07 a month. Across the full five years in this invented case, the office pays $7,299.20 in interest on top of the price.

A partner may set the term by how long it expects each machine to stay in use, so the printer and the motor could end up on different schedules.

Financed on its own over 36 invented months at the same invented rate, the printer would cost $242.88 a month and be paid off two years before the motor and kit. The office would carry two payments for a while, but the shorter one ends while the printer is still new.

Either way, the dealer quote should list each item with its own price. A partner can then see what stands behind the balance, and the office can move one item to a different schedule without asking for a new quote.

The supplies are the part that repeats. In this invented case, the office draws $2,035 for a resin order, a box of guide sleeves and the course fee, and repays it from the next month’s collections.

That invented draw stays out 30 days; at an invented 14.65% annual rate it adds $24.50 of interest. Once it is repaid, the same limit is there for the next resin order.

Putting these costs on the equipment loan instead would stretch a one-month expense over five years. Keeping them on the line also means the office only pays interest in the months it actually draws.

A spare handpiece for the motor is different: it is equipment that will last, so it belongs with the motor on the equipment request rather than on the line.

The 2023 County Business Patterns list 156 offices of dentists with paid employees in Brazoria County, TX.

ZIP Code Business Patterns put seven dental offices at ZIP 77515 addresses in 2023.

For any one of those offices, a funding partner looking at an implant equipment request may weigh:

• how long the office has been open and its annual revenue range
• the equipment payments it already makes, and when each one ends
• the dealer quote, with model and serial numbers for the motor and the printer
• the owner dentist’s credit history, since a personal guarantee may be asked for
• whether the request covers equipment only or supplies too

Whether an offer follows, and on what terms, is up to the partner that reads the request; Millreach Lending Group only passes it along. Related reading: the dental office page works through an operating microscope and endo motors, and the blog carries a post on what shapes the terms a dental office is offered.