Kensley Company arranges financing for medical and dental equipment through a network of independent equipment finance lenders. We work with medical practice owners, dental practice owners, urgent care operators, and outpatient clinic operators financing imaging systems, exam room equipment, dental operatories, lab equipment, and full practice build-outs.
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.
What We Finance
Through our lender network, we arrange financing for:
Medical Equipment
- Imaging systems — ultrasound, digital X-ray, CT, MRI, fluoroscopy
- Patient monitoring and exam room — exam tables, vital signs monitors, defibrillators, EKG, vision and hearing equipment
- Laboratory equipment — hematology analyzers, chemistry analyzers, immunoassay systems, centrifuges, microscopes
- Sterilization and infection control — autoclaves, sterilization centers, ultrasonic cleaners
- Specialty equipment — endoscopy systems, laser systems, ophthalmology equipment, dermatology equipment, physical therapy equipment, urgent care diagnostic equipment
- Practice technology — EHR/EMR systems, practice management software, patient communication systems
Dental Equipment
- Dental operatories and chairs — complete operatory packages, dental chairs, delivery systems, lights
- Imaging — digital intraoral, panoramic, cephalometric, and cone beam (CBCT) systems
- Specialty dental — CAD/CAM systems, milling machines, intraoral scanners, soft-tissue lasers
- Sterilization — autoclaves, ultrasonic cleaners, instrument processing stations
- Lab equipment — for in-office dental labs, including milling, scanning, and finishing equipment
- Build-out and FF&E — operatory cabinetry, reception, sterilization rooms
Typical Financing Structures
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.
Practice Types We Serve
- 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
- Submit a short application at kensleycompany.com/apply.
- We match your application to the lender most likely to approve it based on practice type, equipment, and business profile.
- The lender reviews and issues a decision, typically within 1–3 business days.
- If you accept, you sign the financing agreement directly with the lender.
- The lender funds the equipment vendor, and the equipment ships to your practice.
Documentation typically requested by medical and dental lenders includes:
- 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)