Seven direct lenders who work with US Dental Depot every week — start-ups funded from day one, credit scores accepted from 520, up to $500,000 with no tax returns. Applying is a soft pull. It does not move your credit score by a single point until you sign.
Struggling to get financing through your local bank? They are underwriting a piece of equipment they have never heard of, for an industry they do not follow. We have partnered with select lenders who have worked with us for over a decade and who finance dental equipment every day. Send an application with a formal quote or proforma from US Dental Depot and it moves fast.
Applying will not affect your credit score — a soft pull does not move a point until you sign the proposal and a full credit score is requested
Competitive rates
Good credit or bad credit is not an issue
As little as 2 years in business required — and one partner funds from day one
English and Spanish throughout
No money down for 3 months option
Lease options available
Direct lenders, not brokers
Do not apply to all seven — that is how you collect declines. Each one is strong in a different case: a start-up on day one, a low credit score, a large amount with no paperwork, or the longest deferral. Tell us your situation and we point you at the right one, or apply directly below if you already know.
It takes a couple of minutes and it is what lets us choose the right lender for you instead of sending you to all six.
We come back with the lender that fits your situation and the direct link to their application.
Tell us you have sent it and we follow up with the lender ourselves, so the file does not sit in a queue.
No. A soft pull is performed to review your file and it does not move your score by a point. A full credit inquiry only happens once you sign the proposal.
Yes. Geneva Capital funds from one day of business, with start-up financing up to $35,000 without income verification or personal statements. PEAC and Provide Capital also run start-up programs.
Provide Capital considers scores as low as 520, and Partners Capital Group can fund up to $500,000 without tax returns or bank statements. Good credit or bad credit is not the disqualifier people assume it is.
Yes, through one route. US Dental Depot works with Equipment Finance Group (EFG) for buyers who do not have a US social security number — they are a direct lender running capital leases, operating leases and Export Trade Finance, including for buyers with Latin American operations. The other six lenders on this page publish no criteria for ITIN or foreign-national applicants, so we do not guess on their behalf. Call 512-659-4960 or start with the questionnaire and pick the no-social-security-number option.
It depends on the lender and your file — Ascentium starts at $5,000, PEAC goes to $250,000 and Partners Capital Group up to $500,000. Tell us the amount and we will point you at the ones that cover it.
Several programs allow it. Ascentium and Geneva offer 90 days payment free, Partners Capital Group has options with no payments for 12 months and 90-day same-as-cash.
Yes. Ascentium and Geneva both offer lease structures. Leasing usually suits buyers who expect to upgrade the machine rather than keep it for its full life.
Yes, throughout — the whole process, from quote to application to installation, runs in English or Spanish.
There can be. Section 179 and bonus depreciation are the provisions usually involved and the limits change year to year. We are equipment specialists, not tax advisors — ask your accountant before you count on it.