What It Actually Means and What It Could Mean for Your Practice
Let’s start with the question that comes up every time someone sees “0% financing” attached to a major equipment purchase.
Is it real?
Yes. And it’s worth understanding how it works because the way you finance equipment can have almost as much impact on your practice as the equipment itself.
Here’s what 0% financing means, who can qualify, and how practices can use it to preserve capital while investing in better imaging.
What 0% Financing Actually Means
0% financing means you acquire the equipment, pay for it over time, and pay no interest on the amount financed.
That’s significantly different from traditional equipment loans and many manufacturer financing programs. On a major equipment purchase, interest over several years can add thousands of dollars to the total cost.
At 0%, financing becomes a payment structure rather than an added expense.
Instead of making a large upfront capital investment, a practice can spread payments over time while keeping cash available for staffing, marketing, expansion, and other priorities.
The Terms
The financing options are designed to give practices flexibility:
- Up to $500,000 on an application-only basis
- Terms from 6 to 84 months
- Deferred payment options from 3 to 24 months
- Approvals typically within 2 to 4 hours
This allows practices to structure payments around their cash flow and, in some cases, begin using the equipment and generating revenue before the first payment is due.
The application is online and connects applicants with a real person rather than relying entirely on an automated process.
Section 179
Section 179 may also provide a significant tax advantage for qualifying equipment purchases.
Eligible businesses may be able to deduct the purchase price of qualifying equipment in the year it is placed in service rather than depreciating the entire cost over several years.
Combined with financing, a practice may be able to take the eligible deduction while spreading the actual cash payments over time.
Always consult your tax professional regarding your specific situation.
Who Can Qualify?
The qualification range may be broader than many practices expect.
Our banking partners work with startups, small and medium sized practices, established businesses, borrowers with strong credit, and applicants with credit challenges or previous bankruptcies.
Every approval is based on the individual application, but practices shouldn’t automatically assume they won’t qualify.
For Solo and Startup Practices
Starting a dental practice requires capital everywhere. Buildout, staffing, technology, marketing, and equipment all compete for the same dollars.
Financing can allow a startup to add CBCT, panoramic imaging, or sensors without consuming a large portion of its available cash.
With extended terms and potential deferred payments, the practice can begin using the equipment clinically while preserving capital for other startup expenses.
For Growing and Multi Location Practices
Expansion creates the same challenge at a larger scale.
A new location requires buildout, employees, technology, and equipment simultaneously. Financing imaging equipment can turn a large upfront purchase into a predictable monthly expense.
For groups standardizing imaging across several locations, financing up to $500,000 can also make larger equipment acquisitions more practical.
For Established Practices
Even practices with enough cash to purchase equipment outright may have better uses for that capital.
An established practice upgrading from panoramic imaging to CBCT can keep its cash working elsewhere while the new equipment begins contributing clinical revenue.
The question isn’t always whether you can pay cash. It’s whether paying cash is the best use of your capital.
The Application Process
The process is straightforward.
Apply online. Speak with a real person. Receive a decision typically within 2 to 4 hours. Complete agreements electronically.
For practices accustomed to lengthy equipment financing processes, that speed can make a meaningful difference.
Starting the Conversation
0% financing through Global Imaging USA and Reliant Capital Group is designed to make quality dental imaging equipment accessible while giving practices more control over their capital.
Whether you’re considering CBCT, panoramic imaging, sensors, or a larger imaging investment, understanding the financing options can change how you approach the purchase.
The application takes minutes. Approval can take hours. Your equipment can start working for your practice from day one.