Medical & Dental
Medical & Dental Equipment Financing
Kensley Company arranges financing for medical and dental equipment through a network of independent equipment finance lenders. We work with practice owners, urgent care operators, and outpatient clinic operators financing imaging systems, exam room equipment, dental operatories, lab equipment, and full practice build-outs.
What We Finance
Equipment Categories
We work exclusively with practice owners and authorized practice representatives. Kensley does not finance equipment for individual patients or consumers; all medical and dental financing arranged through Kensley is for the commercial purchase of equipment by a legally formed business entity.
Through our lender network, we arrange financing for both medical and dental equipment across imaging, exam room, lab, sterilization, and specialty categories.
Typical Financing Structures
How Financing Is Commonly Arranged
Medical and dental equipment is typically financed through:
Equipment Finance Agreement (EFA). The most common structure for medical and dental equipment, given the long useful life of the equipment and the practice owner’s typical preference for ownership and Section 179 treatment.
$1 Buyout Lease. Functionally equivalent to an EFA, with lease accounting treatment.
Operating Lease and FMV Lease. Used by practices that want lower monthly payments and the flexibility to upgrade to newer technology at the end of the term — particularly common for imaging and CAD/CAM equipment.
Terms typically range from 36 to 84 months. Higher-cost equipment such as MRI, CT, and full operatory packages are often financed over 60–84 months to align payments with the equipment’s revenue-generating profile.
Equipment cost range is typically $25,000 to $500,000+. Imaging and CAD/CAM systems frequently fall in the upper portion of this range, and full practice build-outs can extend further.
Practice acquisition financing — for buying out a practice or expanding to additional locations — is generally handled by a different category of lender (commercial business acquisition lenders) and is outside Kensley’s primary scope.
Segments We Serve
Operators We Work With
- General medical practices — primary care, internal medicine, family medicine
- Specialty medical practices — cardiology, dermatology, ophthalmology, orthopedics, OB/GYN, ENT, and others
- Urgent care and walk-in clinics
- Outpatient surgery centers
- General dentistry practices
- Specialty dental practices — orthodontics, endodontics, periodontics, oral surgery, pediatric dentistry, prosthodontics
- Physical therapy and rehabilitation clinics
- Veterinary practices (which often share equipment categories with human medical practices)
- Diagnostic and imaging centers
- Multi-location practice groups
Application Process
From Inquiry to Funding
Lender Match
We match your application to the lender most likely to approve it based on equipment, profile, and structure.
Decision
The lender reviews and issues a decision, typically within 1–3 business days.
Documentation typically requested:
- 3–12 months of practice bank statements (longer for newer practices)
- A copy of the equipment quote or vendor invoice
- Practice license and state professional credentials (for the practice and the authorized representative)
- Tax returns for the practice (for larger transactions)
- Lease or property documentation (for new practice build-outs)
Apply for Equipment Financing
The first step is a short application. There is no commitment to accept any offer, and submitting an inquiry does not constitute a credit application with any specific lender.
Apply for Financing