Spring Hill, TN Dental Office Loans: Dental Chairs, CBCT Scanners and Lab Bills

Dental office loans in Spring Hill, TN pay for the chairs, CBCT scanners and milling units a practice runs on, the lab bills that fall between collections, and the purchase of an existing practice. Silverstead Advances passes a dentist’s request to funding partners; the terms of any offer are each partner’s to set.

A dentist standing beside a dental chair.

The 2023 CBP lists 32 offices of dentists with paid staff in Maury County, TN.

In short

Equipment financing for chairs and imaging, a term loan for a practice purchase and a credit line for lab bills. Maury County, TN dental office figures and invented payment examples.

At a glance

  • Offices of Dentists (NAICS 6212), Maury County, TN

    32 employer establishments, 9 with fewer than five employees (CBP 2023)

  • Payroll at Maury County, TN offices of dentists

    $17.8 million in annual payroll for 2023 (CBP)

  • Offices of dentists with a ZIP 37174 address

    17 employer establishments (ZBP 2023)

Dental practice purchase loans for Maury County, TN: milling units, lab bills and hygiene room equipment

Buying an existing dental practice means buying a working business: the patient records and the name, the chairs and imaging, a milling unit if the office mills its own crowns, and the open lab cases and supply orders that come with it. A funding partner can review that kind of purchase as a business acquisition.

Illustration only, invented figures: what a $640,000 dental practice price can be made of
Part of the priceInvented amount
Patient base, records and the practice name (goodwill)$410,000
Imaging, a milling unit and front-office systems$150,000
Equipment for three hygiene rooms: chairs, delivery units and operatory lights$60,000
Supplies on hand and open lab cases$20,000
Total price$640,000

Equipping a hygiene room is equipment. Work on the room itself is property work, and so is the building if the seller owns it: neither is arranged through this site.

A practice for sale in the county is likely to come with a team. Of the 32 offices of dentists Maury County, TN counted in 2023, 23 employed five people or more (71.9%, our arithmetic on CBP 2023, NAICS 6212).

When dental offices in Spring Hill, TN finance dental chairs instead of paying cash

A dental chair with its delivery unit and light is used every day for years, which is the plain case for spreading its cost over part of that life. Paying cash avoids interest, but it moves a large sum out of the account that also meets payroll and the lab.

Illustration only, invented figures: an office replaces 4 operatory chairs, each package priced at $28,500, for $114,000 in all. A 60-month schedule at an annual rate of 8.9% puts each installment at $2,360.92 and the interest for the whole schedule at $27,655.20. Bought with cash, the same chairs cost no interest and take $114,000 from the bank on delivery day.

Equipment financing keeps the chairs as the asset behind the payments, and the vendor’s quote, delivery and installation of the units can sit in the same request.

What lenders ask a Spring Hill, TN dental office about a practice purchase

A funding partner looking at the purchase of a dental practice can review:

  • the signed letter of intent or the draft purchase agreement, showing how much of the price is goodwill and how much is equipment
  • the seller’s production and collections reports for recent years
  • the transition plan: how long the selling dentist stays on and how patients are introduced
  • the buying dentist’s years in practice and current production
  • the office lease or its assignment, after a lawyer has read it

Staff come with the practice, and the payroll figures show their weight. Offices of dentists in Maury County, TN paid $17.8 million in annual payroll during 2023 (CBP 2023), close to $557,300 per office across the 32 offices by our division; that payroll covers everyone on it, from the front desk to the operatory.

Funding a practice purchase and dental chairs for a Maury County, TN dental office

A practice purchase and new chairs can arrive at the same time when the chairs that come with the sale are near the end of their life. They are two different pieces: the purchase is one fixed sum for a term loan, and the chairs are equipment with their own schedule.

Illustration only, invented figures: $640,000 for the practice over 10 years at an annual rate of 8.5% sets a monthly installment of $7,935.08. Replacing chairs for $57,000 over 60 months at 9.25% adds $1,190.15, so the two together call for $9,125.23 a month while both run.

A partner reviewing both can set the combined payment against the collections in the seller’s reports, so it helps to show both pieces in one conversation.

Dental office loans in Spring Hill, TN for imaging upgrades, not just dental chairs

Imaging is a different kind of purchase from a chair. A CBCT scanner, a panoramic unit, an intraoral scanner or a set of digital sensors changes what the office can see and do in the chair, and each comes with software and training from the vendor.

Illustration only, invented figures: a $98,000 CBCT scanner over 60 months at an annual rate of 9.1% carries an installment of $2,039.08; a $32,000 intraoral scanner over 36 months at the same rate carries $1,019.08.

Lab bills are a running cost, not equipment. A business line of credit can carry them from the month the crowns are ordered to the month the insurance and patient payments come in.

By physical location, 17 offices of dentists had a ZIP 37174 street address in 2023 (ZBP 2023). Dental offices that run with no paid staff are tracked by a different program: 12 in Maury County, TN in the 2024 Nonemployer Statistics (NAICS 6212). The Spring Hill, TN page explains how those county and ZIP lines fall, and the industries hub covers physician offices and other Maury County, TN trades.

By Silverstead Advances · Updated

Peers of dental practices in the Spring Hill, TN area

  • Medical practices

    Medical practice loans in Spring Hill, TN for lab analyzers, ultrasound units, a practice buy-in and payroll while insurance claims clear.

  • Restaurants

    Restaurant loans in Spring Hill, TN for fryers, ice machines, POS systems, food orders and payroll, with Maury County, TN restaurant counts.

  • Retail

    Business loans for retail in Spring Hill, TN: POS systems, store fixtures, security systems, large stock orders and a second store.

Equipment financing and term loans for Maury County, TN dentists

  • Equipment Financing

    Loans and leases for loaders, mowers, lifts, kitchen lines and other machines, new or used.

  • Business Term Loans

    A lump sum with a fixed schedule of payments, for a large planned purchase such as buying a business.

Other ways to fund dental practices for the Spring Hill, TN area

Each product pays for a different kind of cost.

  • Working Capital Loans

    Short-term money for payroll, material bills and other costs that land before customer payments do.

  • Equipment Financing

    Loans and leases for loaders, mowers, lifts, kitchen lines and other machines, new or used.

  • Business Lines of Credit

    A credit limit you draw on when bills arrive and pay down as receipts come in.

  • Business Term Loans

    A lump sum with a fixed schedule of payments, for a large planned purchase such as buying a business.

Dental office loans in Spring Hill, TN: the scanner question and the Maury County, TN count

  • Can a funding partner finance a CBCT scanner on its own?

    A partner can review a single imaging unit as an equipment request, with the scanner as the asset behind the payments. The vendor quote, delivery, installation and any training it bills can be part of the same amount. Whether a partner offers financing, and on what terms, is that partner’s decision after it reviews the practice.

  • What does the Maury County, TN count of dental offices include?

    It is the 32 employer establishments filed under Offices of Dentists (NAICS 6212) in the 2023 County Business Patterns: every dental office location in the county with paid staff, specialists included. Spring Hill, TN crosses a county line, so the figure misses the city’s other side. Dental offices with no payroll sit in a separate Nonemployer Statistics count.

Total county business figures as a backdrop for dental practices

  • 2,069

    Employer establishments, Maury County, TN

    Business locations that had paid employees during 2023

    Source: County Business Patterns 2023
  • 11,034

    Businesses without paid employees, Maury County, TN

    Owner-run businesses with no payroll, counted separately

    Source: Nonemployer Statistics 2024
  • 49.8%

    Maury County, TN employer establishments with fewer than five employees

    Our arithmetic: 1,030 of 2,069 establishments

    Source: County Business Patterns 2023
  • 857

    Employer establishments with a ZIP 37174 address

    Counted by physical location in the office ZIP, which is not the same as the city limits

    Source: ZIP Code Business Patterns 2023

Sizing a chair package or a practice purchase in Spring Hill, TN?

Call (931) 226-6579 or send the request form with the practice’s contact details. Chair and scanner quotes, or the price of a practice, make a better phone conversation than a long message.

Phone Silverstead Advances: (931) 226-6579Apply