Dental Office Loans in Myrtle Beach, SC: Intraoral Scanners, a Chairside Mill and Lab Bills

A dental office buys digital equipment that lasts years, pays lab invoices every month, and sometimes needs plumbing or room work that this site does not fund. Sorting the costs first keeps each request on the right product.

A funding partner may look at bank statements, time in business, revenue and credit, and sets the amount and terms. Physician offices have their own medical practice page.

Illustration only, invented figures: a Myrtle Beach, SC dental office prices an intraoral scanner with its cart and software at $28,750. At 9.85% over 48 months, the payment is $727.10 (48 payments, $34,900.80 in all, $6,150.80 of interest); over 60 months it is $608.73 ($36,523.80 in all, $7,773.80 of interest) (our arithmetic).

Choosing 60 months over 48 trims $118.37 from each monthly bill in this invented example, at a cost of $1,623.00 in extra interest. If the scanner’s software carries a yearly subscription, that renewal is a running cost outside the financed amount unless the quote rolls it in.

Illustration only, invented figures: the same office later adds a chairside milling unit at $64,800, financed at 9.6% over 72 months: $1,187.44 a month, $85,495.68 across the term, $20,695.68 of it interest (our arithmetic). Next to the scanner’s 48-month payment, the office carries $1,914.54 a month for both.

A CBCT scanner could come later as a third request. The unit itself is equipment, but lead shielding, room changes and dedicated electrical work for it are property work outside this site. When a funding partner reviews a later request, it may look at payments already owed, including the scanner and mill loans.

Spacing the purchases lets each request stand on the practice’s statements at that time, and keeps each piece of equipment on its own schedule, so one can be paid off without touching the other.

ZIP Code Business Patterns placed 16 offices of dentists at ZIP 29577 addresses in 2023, among the 192 health care and social assistance establishments at those addresses.

Across Horry County, SC, County Business Patterns counted 95 offices of dentists with paid staff. Subtracting the 29 with fewer than five employees leaves 66 dental offices with five or more (our arithmetic).

Nonemployer Statistics listed 42 offices of dentists in the county with no paid employees in 2024, a separate count that is never added to the employer figures. A practice of any size can request the same products.

Illustration only, invented figures: a Horry County, SC dental office receives $6,320 of crown, bridge and clear-aligner lab invoices in one month and draws that amount from its credit line at 13.4%. One month of interest on the draw is $70.57 (our arithmetic).

In this invented example, paying the draw down as patient payments come in lowers the interest, and the paid-down part of the limit becomes available again under the line’s agreement. Draws and limits are covered on the line of credit page.

Lab bills that arrive every month are the kind of recurring cost a line is built for; a one-time purchase such as the scanner fits a term loan or equipment financing with a set end date.