A Collierville, TN dental practice can put a full set of new handpieces or a sedation monitor package on equipment financing or a term loan, and can carry a smaller scaler order on a credit-line draw it pays back within weeks. Baydale talks the order through by phone; funding partners decide on any offer. Every price in this article is invented.
Three invented dental orders: eight high-speed handpieces with four low-speed motors on a 30-month loan, ultrasonic scalers priced as a 75-day line draw and as an 18-month loan, and patient monitors with an AED and portable suction on a 36-month loan.
Dental practice financing for a full handpiece replacement in Collierville, TN
Handpieces see heavy use every day, and a practice that has been sending them out for repair one at a time may decide to replace the whole set at once, so every operatory runs on the same model and the same spare parts.
Take an invented Collierville, TN practice that orders eight high-speed handpieces at $1,240 each ($9,920) and four low-speed electric motors at $1,575 each ($6,300), an invented $16,220 in all. Spread across 30 invented monthly payments of $632.33 at a 12.5% annual rate, the order costs $18,969.90, so $2,749.90 of the invented total is interest.
Handpieces are small, portable and resold, so equipment financing can treat them as the security for their own loan. A partner may set a shorter term for small instruments than for a chair or an imaging unit, and the business term loan page explains how a fixed schedule runs from the first payment to the last.
Ultrasonic scalers for a Collierville, TN hygiene team: cash, a line draw or an 18-month loan
A hygiene team that adds evening or Saturday appointments may need more ultrasonic scalers, so two hygienists are never waiting on one unit. Self-contained scalers carry their own water bottles, which means nothing is plumbed into the operatory.
In this invented order the practice buys three self-contained scalers at $2,860 each ($8,580) and a pair of cordless prophy handpieces for $1,980, an invented $10,560. Three ways to pay for it compare like this:
| Option | How it is repaid | Interest (invented) |
|---|---|---|
| Cash from the operating account | All at once, on delivery | None |
| Credit-line draw, 14.55% a year | In one sum after 75 days | About $315.72 |
| Equipment loan, 11.5% a year | 18 payments of $641.52 | $987.36 |
The 18-month loan in this invented case costs $671.64 more in interest than the line draw, the price of a smaller amount each month over a longer stretch. The line only works out that way if the practice can repay in 75 days, since a business line of credit charges interest for as long as the balance stays out.
Patient monitors, an AED and portable suction for a Shelby County, TN practice adding sedation visits
A practice that begins offering sedation appointments may add equipment for watching patients during and after the visit: patient monitors that track pulse, oxygen saturation and blood pressure, an automated external defibrillator, and a portable suction unit on a cart. The dentist decides what the practice keeps on hand; the order below is an invented example, not a list drawn from any rule.
Invented figures: two patient monitors at $3,280 each ($6,560), an AED at $1,650 and a portable suction unit at $895, an invented $9,105. A 36-month loan at a 10.1% annual rate puts the invented payment at $294.22; after all 36 invented payments the practice has paid $10,591.92, with $1,486.92 of it interest.
All three items run on batteries or plug into a wall outlet and roll between rooms, so the order involves no building work. A funding partner may ask for the dealer quote and the practice’s recent business bank statements.
Three dental orders and the funding product each one went to
Side by side, the three invented orders in this article look like this:
| Order | Amount (invented) | Funding product | Term | Cost shown (invented) |
|---|---|---|---|---|
| Handpieces and low-speed motors | $16,220 | Equipment financing | 30 months | $632.33 a month |
| Scalers and prophy handpieces | $10,560 | Credit-line draw | 75 days | About $315.72 of interest |
| Monitors, AED and suction | $9,105 | Equipment financing or a term loan | 36 months | $294.22 a month |
County Business Patterns counted 2,288 paid employees at Shelby County, TN offices of dentists in the March 2023 pay period, and about $124 million of payroll for the year across the whole group. Offices of dentists with no paid employees sit in a different Census program: Nonemployer Statistics listed 117 of them in the county for 2024.
Counts by staff size and for ZIP 38017 are on the dental practices page, and more articles are on the Baydale blog. When the quote is in hand, the request form sends the order to Baydale.
By Baydale Funding Group · Updated
