Dental practice loans
A chair upgrade that pays for itself in 18 months shouldn't take 18 months to fund.
Finance for Australian dental practices navigating equipment capital, fit-out costs, and the timing mismatch between treatment delivery and fund payment.
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2 minutes · No credit check · Free
Overview
Why loans businesses choose Avoir
A single dental chair with full equipment — handpieces, delivery unit, light, suction, cabinetry — costs $40,000 to $80,000 installed. A practice fit-out runs $200,000 to $500,000 depending on size and location. CBCT imaging systems start at $80,000. Sterilisation and infection control infrastructure is non-negotiable and expensive. At the same time, patient billing flows through Medicare DVA, private health funds with varying rebate schedules, HICAPS, and out-of-pocket co-payments — none of which settle on the same timeline. The capital intensity of running a dental practice is among the highest of any small business in Australia. Avoir connects dental practices to lenders who understand dental revenue structures and equipment investment cycles.
Most lenders have never looked at a dental practice's revenue structure in detail. They see deposits and make a lending decision. They don't understand that your most profitable treatment — implants, orthodontics, complex restorative — often involves staged payments, lab fees paid upfront, and fund rebates that arrive weeks after the chair time was delivered. Lenders in Avoir's network include specialists who understand dental billing structures, the capital investment profile of clinical equipment, and the revenue patterns of Australian dental practices at different stages of growth. Whether you're a principal dentist upgrading an existing practice, an associate buying into a partnership, or an owner expanding into a second chair, a specialist will match you to the appropriate option.
Key features
Dental equipment finance
Fund dental chairs, digital X-ray systems, CBCT scanners, sterilisation equipment, and CAD/CAM systems.
Practice fit-out
Finance the fit-out of a new surgery, refurbishment of existing surgeries, or expansion into additional rooms.
Working capital
Bridge the gap between patient treatment and private health fund reimbursements. Keep your practice fully staffed and operational.
No property required
Most dental practice owners in our network access finance without pledging their home as security.
Eligibility
Do I qualify?
Dental practices with 12+ months of operating history are typically eligible to apply. Practices with complex billing structures involving health funds, DVA, and patient payment plans are specifically accommodated in our network. A specialist will review your profile.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a dental practice get an unsecured business loan?
Yes. Dental practices are among the most straightforward healthcare businesses to assess — consistent Medicare and private health billing provides clear, regular revenue that lenders can easily verify.
Can I finance dental equipment without a secured loan?
Yes. Unsecured loans up to $500,000 are available for dental equipment purchases without property as security.
How much can a dental practice borrow unsecured?
Between $10,000 and $500,000 depending on your practice revenue and trading history.
Do specialist dental practices (orthodontists, periodontists) qualify?
Yes. All dental specialties are eligible — general dentistry, orthodontics, periodontics, endodontics, oral surgery, and implantology.
Can I get a loan to buy into a dental practice?
Working capital and equipment loans are available for dental practices. For practice acquisition financing, speak with a specialist lender directly — our network can help.
Is practice buy-out finance available?
Some lenders in our network offer financing for practice acquisitions and buy-outs. Contact us and we will match you to the right specialist.
Ready to apply?
The equipment investment that grows your practice shouldn't be delayed by funding.
Two minutes to apply. No credit check. A specialist who understands dental practice finance will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION