Equipment Refinance

Equipment Refinance Loan for Dentists: How IMS Financial Helped Me Secure $100,000 When Others Wouldn’t

As a young dental professional in the early stages of building my practice, I knew how important it was to have the right equipment. I had invested in a modern setup that would allow me to deliver high-quality care—but the equipment loan I received came with a very high interest rate. Month after month, the payments started to chip away at my cash flow, making it difficult to manage basic overhead expenses like payroll, supplies, and rent.

I knew I needed help. That’s when I started looking into options for an equipment refinance loan for dentists, and fortunately, I found IMS Financial.

Facing Rejections Due to Limited Credit History

Before calling IMS, I had already been turned down by several lenders. Despite having a growing and profitable practice, my limited credit history seemed to scare off traditional banks and lenders. It was frustrating—especially because I had never missed a payment and was doing everything I could to run my office responsibly.

But IMS Financial took a different approach.

IMS Took the Time to Understand My Situation

From the moment I reached out to IMS, the experience was completely different. Instead of just running my credit score and giving me a quick “no,” they asked questions. They wanted to understand my full financial picture, including my production numbers, collections, current loan structure, and business potential.

They walked me through the submission process, helping me gather all the supplemental paperwork I needed to support my application. That included practice financials, equipment purchase details, and bank statements to show my consistency and growth.

Approved and Funded $100,000 to Refinance and Stabilize My Practice

Thanks to IMS’s experience in dental financing and their willingness to look deeper than the credit report, I was approved for a $100,000 loan. This allowed me to refinance the high-interest equipment loan and roll in some additional working capital to help manage my office expenses more comfortably.

The new loan came with better terms, a lower monthly payment, and the breathing room I needed to continue growing my practice without financial strain.

Why I Recommend IMS Financial to Every Dentist

Getting turned down by lenders can be discouraging—but IMS Financial reminded me that it’s not always about your credit score. It’s about the potential of your business and your commitment to doing things the right way. Their ability to navigate the financing process and advocate for their clients is what makes them different.

If you’re a dentist looking to refinance expensive equipment loans or need capital for your office, I highly recommend working with IMS. Their equipment refinance loan for dentists gave me the stability I needed to move forward—and they can do the same for you.

Our mission has always been to provide Hassle-Free Financing for our clients.

We provide funding for Dental and Medical professionals to help meet a variety of needs, including: