Commercial equipment financing across Canada

Medical & dental

Medical and dental equipment financing for modern practices

Merrit Capital finances eligible commercial equipment used by Canadian medical, dental and allied-health practices. We focus on the business transaction—equipment, supplier, installation and repayment structure—and do not provide clinical or medical advice.

New & used equipmentCanada-wide serviceDealer & eligible private sales
Modern dental treatment room with chair, imaging and sterilization equipment

Equipment commonly financed

Assets used in medical & dental

Examples include the equipment below. Eligibility depends on commercial use, transaction size, condition, seller and lender requirements.

  • Dental chairs and treatment units
  • Digital X-ray and imaging systems
  • Sterilization and instrument-processing equipment
  • Diagnostic and monitoring equipment
  • Laboratory and analysis equipment
  • Specialized treatment systems
  • Practice computers and networking
  • Medical office furniture and cabinetry
  • Eligible installation and technology packages

Coordinate the equipment schedule with the practice plan

Practice equipment projects often overlap with construction, cabinetry, software, training and professional fees. Separate durable equipment from non-equipment costs so each part of the budget can be assessed properly.

Suppliers, model details, warranties, regulatory suitability and installation timing matter. Merrit Capital evaluates the financing request; the borrower remains responsible for clinical selection, licensing, compliance and professional advice.

Qualification is transaction-specific. Merrit Capital does not promise approval, rates, down payment, term or funding time before a lender has reviewed the borrower, asset and documents.

Common financing scenarios

Where financing often fits

The business purpose should be specific enough to show how the equipment supports capacity, reliability or a defined service.

Equip a new operatory

Package the chair, delivery system, imaging and eligible supporting equipment with a clear supplier schedule.

Upgrade diagnostic capability

Move from aging or outsourced technology to equipment that supports an established service.

Expand an existing practice

Add rooms or replace dated equipment while coordinating delivery with construction and patient scheduling.

Prepare the request

Information that helps a lender understand the deal

Not every item is required in every transaction, but these details frequently matter in medical & dental.

  • Existing practice, acquisition or new opening
  • Professional and operating experience
  • Equipment specifications and supplier
  • Construction and lease timeline
  • Durable assets versus training or services
  • Licensing, regulatory and installation requirements

How it works

A practical four-step financing process

01 / ASSET

Share the equipment

Quote, specifications, seller and required delivery date.

02 / CONTEXT

Explain the business use

Operating history, work and reason for the purchase.

03 / CREDIT

Complete the review

Provide the financial and ownership information requested.

04 / CLOSE

Documents and funding

Meet final seller, insurance, lien and signature conditions.

Industry questions

Medical and dental equipment financing FAQ

Can dental chairs and imaging equipment be financed?

Eligible dental treatment, imaging, sterilization and practice equipment may be considered, subject to credit approval and lender requirements.

Can software be included?

Perpetual or bundled technology components may sometimes be considered when integral to a larger equipment package. Subscriptions, services and training are lender-specific.

Do you finance equipment for a new practice?

New-practice transactions may be considered. Professional experience, equity, lease, project budget, cash reserves and the complete business plan are relevant.

Can used medical or dental equipment be financed?

Some used equipment may qualify when condition, age, seller, service support, value and regulatory suitability are clear.

Does Merrit Capital advise which clinical equipment to buy?

No. Merrit Capital provides commercial financing services, not medical, dental, regulatory, tax or legal advice.

Discuss equipment financing for your business

Tell Merrit Capital what you are buying, the approximate amount, the seller and the timing. We will explain the next information needed—without promising an outcome before the transaction is reviewed.