How Do Bullhead City, AZ Dentists Finance Chairs, Imaging and a Buy-In?

Dental equipment can serve as collateral, so a chair, a cone-beam CT scanner or a sterilization center can each be financed on its own terms. The quote should include delivery, installation, software and training, because a partner can finance those costs only if they appear on it.

Illustration only, invented figures: two chairs with delivery units at $16,800 each, a CBCT scanner at $92,500 and a sterilization package at $11,400 total $137,500. The package’s 72 monthly installments at 8.75% come to about $2,461.49 each.

Mohave County, AZ's 74 offices of dentists with paid employees had 622 employees in 2023, about 8.4 per office, and paid about $57,214 per employee (CBP, NAICS 6212; our arithmetic). An office with that payroll weighs a new scanner payment against the staff it already carries.

A buy-in is a partial purchase: an associate buys a share of the practice from its owner, often in stages. The price comes from a practice valuation, and a term loan to the buyer funds it. A partner reads the valuation, the practice's collections and the buy-in agreement before it sets an amount.

An invented 40% ownership share in a $780,000 practice costs $312,000. In this example, the 10-year schedule at 9.25% works out to about $3,994.62 per month. If the associate's share of profit is expected to be $5,200 a month, it covers the payment with about $1,205.38 to spare, before taxes.

Two in five employer offices are very small: 30 of the 74 had fewer than five employees in 2023 (CBP, NAICS 6212). Solo dentists show up in a different program: Nonemployer Statistics counted 22 offices of dentists with no paid employees in Mohave County, AZ for 2024.

Adding an operatory requires clinical equipment, movable cabinetry and room scheduling. Fixed plumbing, vacuum lines, electrical work and built-in cabinetry are outside this request; any landlord approval needed for equipment setup belongs in the file. Supplier quotes can stage equipment deliveries, and a line of credit can carry each delivery as it arrives, with a term loan replacing the balance.

Illustration only, invented figures: $68,000 of imaging and movable clinic furnishings and a $17,250 chair make $85,250. The invented equipment package uses an 84-month term loan at 9.5%, with an estimated $1,393.32 monthly payment.

A new room does not produce on its first day. If it adds $9,000 a month in collections once it is fully booked, that covers the payment about 6.5 times; but if booking it up takes 3 months, about $4,180 of payments come due before then, and the request can show how the office covers them.

Health care carries weight in the county payroll: health care and social assistance had the largest annual payroll of any sector in Mohave County, AZ in 2023, $563.2 million (CBP, NAICS 62). A second office in another community follows the same steps, with a second lease and a second movable-equipment quote.

• Production and collections reports by provider for the last 12 to 24 months.
• The insurance and fee-for-service mix of the patient base.
• Two or three years of tax returns for the practice and for each dentist who owns part of it.
• For a buy-in, the practice valuation and the draft buy-in agreement.
• Quotes for each piece of equipment, including installation and software.
• The office lease and supplier quotes for movable equipment and furnishings.

Each partner sets its own requirements. County figures for the trade are on the dental practices page; call (928) 227-5785 or use the request form to start, and see more on the articles page.