🦷 5 Ways to Finance a Dental Chair in NZ — And Why a Broker Beats the Bank

Upgrading to a new dental chair is a big investment. With costs often running into the tens of thousands, the way you finance it can have a huge impact on your clinic’s cashflow and growth.

Most dentists assume the only option is to walk into their bank or use the vendors finance solution. But banks and vendors aren’t always the best fit — they can be slow, rigid, and focused on their own lending products. That’s where a finance broker changes the game.

Here are five smart ways to finance a dental chair in New Zealand, and why working with a broker gives you more choice, flexibility, and negotiating power.

1. ✅ Specialist Equipment Finance
   • Broker advantage: Brokers have access to multiple lenders who specialise in medical and dental equipment.
   • Benefit: You get tailored terms, often with 100% finance and no deposit — something banks rarely offer.
2. 💳 Business Loans (Beyond the Bank)
   • Broker advantage: Instead of being tied to one bank’s criteria, a broker can compare unsecured and secured business loans across the market.
   • Benefit: Faster approvals, competitive rates, and structures that suit your practice’s cashflow — not the bank’s balance sheet.
3. 🔄 Supplier Finance — Negotiated Smarter
   • Broker advantage: Brokers can review supplier-offered finance and benchmark it against independent lenders.
   • Benefit: You avoid being locked into one supplier’s terms and can negotiate better repayment structures. While keeping your financial position private.
4. 💼 Leasing & Rental Options
   • Broker advantage: Brokers can source operating leases that keep the chair off your balance sheet and allow easy upgrades.
   • Benefit: Flexibility to stay current with technology without being tied to ownership debt.
5. 🏦 Refinancing & Cashflow Release
   • Broker advantage: A broker can restructure existing loans, consolidate debt, or unlock equity in your practice assets.
   • Benefit: You free up working capital without increasing your reliance on a single bank.
6. 🚀 Why Choose a Broker Over a Bank?
   • Choice: Banks only sell their own products. Brokers compare multiple lenders and structures.
   • Speed: Brokers know which lenders move quickly for medical professionals.
   • Negotiating Power: Brokers can leverage competition between lenders to secure better rates and terms.
   • Reduced Bank Dependence: By diversifying finance sources, you avoid being overexposed to one bank’s policies or appetite for lending.
   • Tailored Advice: Brokers understand the unique needs of healthcare practices — from tax treatment to cashflow cycles.

• 📊 The Bottom Line Financing a dental chair isn’t just about getting the lowest rate — it’s about structuring repayments to protect your cashflow, reduce risk, and support your growth.
• 👉 Working with a finance broker gives you more options, less bank influence, and a partner who’s on your side — not the lender’s.
• Talk to Real Asset Finance today for a free assessment and see how we can help you finance your next dental chair the smart way.