San Luis, AZ Dental Office Loans for an Implant Motor, a Surgical Kit and a New Assistant's Wages

Handheld and freestanding equipment with a dealer quote fits equipment financing, or a term loan when the office buys several items at once. Costs that arrive before the deposits that repay them, such as a new hire's first paychecks, fit a draw on a line of credit.

Supplies bought by the case and paid before the procedures that use them are billed, such as implant components and sutures, can ride on the same line.

Water, air and vacuum lines, compressor piping, cabinetry fixed to walls and any operatory construction are property work outside this site, as is the hookup of plumbed or wired equipment.

In an invented example, a dental office prices an implant motor with its handpiece at $9,265 and a surgical kit at $2,380, an $11,645 quote financed at a 10.86% annual rate.

With 42 invented months, each payment drops by $207.47, though the interest total rises by $1,042.08. A partner may set the term by the equipment's age and price, so an offer can differ from both invented columns.

A surgical kit wears out sooner than a motor, so an office may finance the motor alone and buy kits as they are replaced. In this invented quote, the $9,265 motor alone at the same 10.86% annual rate over 42 months would cost $266.15 a month.

The invented figures leave out sales tax, delivery and training, which a dealer quote may list on separate lines; a partner may or may not include them in the financed amount. An office weighing two products for the motor may ask for both: equipment financing secured by the motor itself, and a term loan that also covers the kits and supplies. The two offers can differ in rate, term and what secures them. When the equipment is a panoramic unit with a dealer deposit, the imaging article shows a line draw carrying the deposit over six monthly paydowns.

Offices of dentists in Yuma County, AZ reported $16.3 million in annual payroll for 2023 (County Business Patterns). Of those offices, 43.5% employed fewer than five people.

Those 46 offices with paid employees are a small slice of the 3,376 employer establishments the same file counts across the county.

The ZIP-level file for 2023 places 3 offices of dentists in ZIP 85349.

In an office with a handful of staff, one added wage shows up in the bank balance right away, which the next invented case works through.

In an invented case, a dental office in San Luis, AZ hires a second dental assistant at an invented $1,384 per biweekly paycheck, payroll taxes included, and plans on the added chair time reaching its deposits after 30 days.

Thirty days of waiting can hold two biweekly paydays or three, by the calendar day the first one lands on, so the invented wages run from $2,768 to $4,152. Drawing the higher figure on a line at an invented 14.74% annual rate and repaying it after the 30 days costs $50.30 in interest.

If the deposits arrive later than planned, the draw stays open longer and the invented interest grows with each day.

A line used this way is repaid when the deposits come in. If the added chair time is still filling after a few months, the office may ask a partner about a working capital loan with fixed payments instead of a draw that keeps rolling.

• Business account statements that show insurer and patient payments
• The dealer quote for the motor, kit or other equipment
• A payroll summary showing the new hire's cost
• Payments or leases still running on earlier equipment
• The office lease, when equipment will sit in leased space

On a first call, Hillmark Credit can take down the item, the price and the date it is needed; a partner may ask for the rest later.

A partner may ask for some of these papers and not others. The industries page also covers physician offices and the other trades.