A dental office pricing a CBCT unit, a landscaper adding a spray rig, or a repair shop replacing a two-post lift can bring the vendor quote to Sunreach Capital by phone; the request then goes to funding partners, and each partner sets its own terms.
Equipment financing ties the money to one item and uses that item as collateral. This page prices a dental CBCT purchase, a landscaping package and a 36-room hotel furniture order with invented figures, and compares a restaurant lease against a loan.
At a glance
- Offices of dentists, Clark County, IN
30 employer establishments, 264 paid employees (CBP 2023, NAICS 6212)
- Landscaping services, Clark County, IN
34 employer establishments (CBP 2023, NAICS 561730)
- Traveler accommodation, Clark County, IN
32 employer establishments (CBP 2023, NAICS 7211)
Dental equipment loans for Clark County, IN dental offices: CBCT units, patient chairs and delivery units
Three purchases sit behind this heading. A cone-beam CT unit replaces flat films with a 3D scan; a patient chair wears out at the hinges and the upholstery; a delivery unit holds the handpieces, the air-water syringe and the suction a hygienist reaches for all day. Each one carries a model number, and a vendor quote with that number is what a partner prices.
Illustration only, invented figures: a $118,000 CBCT unit with $10,000 put down leaves $108,000 financed. Price that balance at 9.5% a year for 84 months and the arithmetic hands back an installment of $1,765.15. Eighty-four of those make $148,272.60, so interest totals $40,272.60, and with the down payment the unit costs $158,272.60 in all.
Changes to the operatory itself, such as shielding a wall or moving a sink, are building work and sit outside this site; the request covers the unit, its software license and the chair.
Census counts give the scale. In 2023, County Business Patterns recorded 30 offices of dentists in Clark County, IN with 264 paid employees between them, and 7 of those offices had fewer than five people on staff.
Landscaping equipment financing for Clark County, IN landscapers: spray rigs, mowers and enclosed trailers
A landscaping crew buys in kits rather than single machines. One way to lay out the quote before a call:
| Item | Quoted price |
|---|---|
| Zero-turn mower, 60-inch cut | $16,500 |
| Skid-mounted spray rig with hose reel | $9,800 |
| Used enclosed equipment trailer | $41,000 |
| Package total | $67,300 |
The business can ask whether one agreement can cover the mower, spray rig and enclosed trailer, then compare the actual terms. Crew trucks and other vehicles are outside the request, not an optional part of the package.
A crew-yard count from County Business Patterns: Clark County, IN held 34 landscaping services establishments (NAICS 561730) in 2023, and 22 of those employed fewer than five people.
Owner-run landscaping outfits with nobody on payroll sit in a different Census file. For 2024, Nonemployer Statistics put that Clark County, IN figure at 224.
Hotel FF&E financing for Clark County, IN hotels: beds, seating and blackout drapes
Hotel managers say FF&E for the furniture, fixtures and equipment that could leave a guest room on a hand truck; walls and floors stay behind. A hotel replacing beds, chairs and drapes across a floor can price the whole order per room.
| Item | Per room | 36 rooms |
|---|---|---|
| Bed set (frame, mattress, box) | $1,150 | $41,400 |
| Lounge chair and desk chair | $420 | $15,120 |
| Blackout drapes and rod | $260 | $9,360 |
| All 36 rooms | $1,830 | $65,880 |
Laundry washers and dryers, a front-desk booking terminal and luggage carts fit the same request. Flooring, wall coverings, through-wall air units and any purchase of the hotel property do not: they are building or property matters outside this site.
Clark County, IN counted 32 traveler accommodation establishments in 2023 under NAICS 7211, the code that includes hotels and motels (CBP).
How does equipment financing work for a Clark County, IN therapy practice?
Chiropractic and therapy offices buy the items patients lie on and the machines aimed at them: adjusting and treatment tables, traction tables, therapeutic ultrasound units, and digital X-ray for a chiropractic office that images on site. The same structure covers a lift or a scan tool for an auto repair shop, and a compact excavator for a home builder.
- Get a written quote that names the make, model and price, plus delivery and any training.
- Decide how much cash to put down, if any; the calculator on this page treats the down payment as optional.
- Call (812) 297-3730 and go through the quote, the business, and the term the office has in mind.
- From there Sunreach Capital sends the request on, and a funding partner looks at both the practice and the item.
- Any partner that makes an offer sets the rate, term and collateral terms; the office decides whether to sign.
The calculator on this page reads what the equipment costs, cash put down (it can stay blank), the yearly rate in percent and the number of months. Three figures come back, namely a monthly payment estimate, the interest over the full term, and an all-in cost with the down payment added. Fees, sales tax and insurance stay out of its math.
Clark County, IN had 68 offices of other health practitioners in 2023, the NAICS 6213 group that takes in chiropractors and physical therapists (CBP); 44 of them had fewer than five employees.
Is equipment financing debt on a Jeffersonville, IN therapy practice balance sheet?
An equipment loan is debt in the plain sense: the practice owes the unpaid balance, and the table or ultrasound unit secures it until the last payment. A lease is a contract to use the item for a set term, with options at the end that the agreement spells out.
The bookkeeping side of either choice belongs with the practice’s accountant. What a practice can do before signing is ask the partner three things in writing: who owns the equipment during the term, what happens at the end, and what the total of all payments is.
How equipment leases work for Jeffersonville, IN sit-down restaurants
A lease swaps the down payment for a monthly charge and an end-of-term choice. Illustration only, invented figures: a sit-down restaurant prices a $34,000 range line and dish machine two ways.
| Line | Loan | Lease |
|---|---|---|
| Cash on day one | $3,400 down | None in this example |
| Rate (annual %) | 10.25% | Not stated; the lease quotes a payment |
| Monthly payment, 60 months | $653.93 | $715.00 |
| End of term | Equipment owned | $3,400 purchase option |
| Everything paid, if the option is taken | $42,635.80 | $46,300.00 |
In this case the lease costs $3,664.20 more by the end and runs $61.07 a month higher, but it keeps $3,400 in the bank on day one. A different quote can flip that, which is why both totals belong on paper before the kitchen picks one.
These equipment questions continue in the guides to dental imaging, hotel laundry and furnishings, mowers and loaders, racks and cardio machines, and salon styling stations.
By Sunreach Capital · Updated