Practices We Serve
Oral Surgery Practices
Finance oral surgery equipment including surgical chairs, CBCT imaging, implant motors, patient monitoring, and sedation systems. Fast quotes for OMS practices.
Oral and maxillofacial surgery practices carry one of the heaviest equipment loads in all of dentistry. A single operatory set up for IV sedation, implant placement, bone grafting, and third molar removal requires a surgical chair, a dedicated patient monitoring system, a nitrous and sedation delivery unit, an implant motor, and the imaging to plan all of it. Getting that operatory fully equipped runs well into six figures, and most OMS practices need multiple surgical suites.
We finance oral surgery practices from the startup stage through the established group practice expanding into a second surgical location. The equipment costs are higher than general dentistry, the cases are more complex, and the revenue per procedure is correspondingly larger. Lenders who understand oral surgery underwriting -- and not all do -- will look at that case mix and production per chair, not just the credit score.
Financing for an OMS buildout typically starts at $150,000 and runs well above $500,000 for a multi-suite practice with a quality CBCT unit, full monitoring, and a surgical suite equipped for orthognathic or trauma cases. We work across that full range.
Surgical Equipment That Needs Financing
Surgical Equipment That Needs Financing
The capital requirements for oral surgery are front-weighted. The imaging, monitoring, and surgical infrastructure must be in place before a single case can be performed.
- CBCT imaging: Cone beam CT is not optional in a contemporary OMS practice. It is used for implant planning, impacted third molar assessment, bone graft planning, and trauma evaluation. The field of view matters: a large-volume CBCT covering full skull to mandible is preferred for orthognathic and trauma cases, while a focused-field unit works for implant-only practices. Cone beam CT scanner financing covers the full range of current systems.
- Surgical implant motors: Precision-controlled surgical motors with torque feedback are essential for implant placement. Surgical implant motor financing covers the NSK Surgic Pro, Nobel Biocare OsseoSet, and comparable systems.
- Patient monitoring: IV sedation cases require continuous monitoring of pulse oximetry, blood pressure, capnography, and ECG. A complete monitoring setup for a surgical operatory runs $15,000 to $40,000 depending on the number of channels and brand.
- Surgical chairs: OMS chairs need flat recline capability, sturdy armrests for IV access, and the ability to hold a patient who is sedated for a two-hour case. These are purpose-built units, not standard dental chairs.
- Nitrous and sedation delivery: Nitrous oxide and sedation system financing covers both in-wall piped systems and portable units for practices that use multiple operatories on a rotating basis.
How OMS Equipment Financing Is Structured
How OMS Equipment Financing Is Structured
Oral surgery practices are high-production, high-revenue specialty practices. A productive OMS with two or three surgical suites and an IV sedation credential generates significantly more per chair than the average general dental practice. Lenders who understand that production profile will offer better terms than lenders who treat it as generic medical equipment.
For established OMS practices with two or more years of tax returns showing consistent production, a full-doc equipment loan typically offers the best rate. Terms of 60 to 84 months spread the cost of expensive imaging systems over a reasonable useful life. For imaging especially, where a CBCT holds clinical and technical relevance for a decade or more, a longer term is defensible.
Practices looking to pull equity from existing equipment can use a cash-out refinance to convert that equity into capital for a second location buildout, a digital workflow upgrade, or a down payment on the practice building itself. Sale-leaseback on imaging or surgical equipment works similarly -- the practice sells the asset, receives cash, and continues using it under a lease.
For OMS practices that are in startup mode, typically a board-certified OMS who just completed residency opening their first independent practice, startup practice financing is the right structure. The OMS credential, the board certification, and the IV sedation permit together represent a very strong profile even with no practice history.
Timeline and Process for OMS Deals
Timeline and Process for OMS Deals
Large OMS equipment deals -- anything above $400,000 -- require a full financial package for underwriting. That typically means two years of personal and business tax returns, three months of business bank statements, a current practice P&L, and the equipment quote or purchase order from the vendor.
Submitting a complete package on day one cuts the review time significantly. Most full-doc OMS deals complete underwriting in five to ten business days, with funding following within a week of approval. Total timeline from application to cash in hand: two to four weeks for a well-documented deal.
For surgical equipment under $400,000, application-only financing removes most of the documentation burden and can get an approval in 24 to 48 hours. This works well for an established OMS adding a single piece of equipment rather than outfitting an entire new suite.
Frequently Asked Questions
Frequently Asked Questions
Finance Your Oral Surgery Practice
Finance Your Oral Surgery Practice
Tell us what you are building or expanding. We put together competing quotes from lenders who understand OMS production and specialty practice economics -- not lenders who see a dentist and apply a generic rate. Most decisions come back within two business days.
Compare periodontal practice financing if you also treat perio patients, or explore dental implant center financing if implant placement is a primary focus of your practice.
Questions
Can I finance a nitrous/oxygen delivery system that is built into the wall plumbing?
Yes. Fixed infrastructure including piped gas systems, vacuum lines, and compressor hookups can be financed as part of the overall equipment package. The lender takes a blanket security interest in the practice equipment rather than a specific lien on the plumbing.
I just finished residency. Can I get OMS equipment financing without a prior practice history?
Yes. OMS residents finishing training with a board certification, IV sedation permit, and a signed practice lease have a strong profile for startup financing. Lenders who specialize in dental medical practices specifically look for that credential set.
My practice owns a CBCT we paid off two years ago. Can I refinance it for cash?
A cash-out refinance or sale-leaseback on a paid-off CBCT is straightforward if the unit is within its useful life and in working order. An appraiser values the current market on the specific model, and the lender funds against that value. Proceeds are unrestricted.
Can patient monitoring equipment be bundled with chairs and surgical motors in one deal?
Yes. Bundling multiple categories into a single credit facility simplifies your payments and often gets better overall pricing because the total deal size is larger. You get one rate, one payment, and one lender relationship instead of managing separate transactions per vendor.
Does the financing cover the installation and setup costs, not just the equipment itself?
Soft costs -- installation, delivery, commissioning, and sometimes training -- can typically be included up to 20 to 25 percent of total hard equipment costs. Tell us your full project cost including soft costs so we structure the deal to cover it all.
Finance Your Oral Surgery Practices
Share the unit model, vendor quote, and practice timeline. We will return clear term options and a payment estimate so you can choose the structure that fits.
Get Terms on Oral Surgery Practices
Tell us what you are buying, who is selling it, and when you need it earning. We will review the file and point you to the next step.