An invented endodontic package priced at two terms, and an invented lab statement carried for 40 days on a credit line draw.
At a glance
- Offices of dentists in Klamath County, OR with fewer than five employees
10 of 25, or 40.0% (CBP 2023)
- Offices of dentists at ZIP 97601 addresses
11 establishments (ZBP 2023)
- Paid employees, county offices of dentists
174 (CBP 2023)
- Annual payroll, same offices
$9.5 million (CBP 2023)
An Endodontic Motor, Apex Locator and Loupes for One Operatory
Invented example: a general dentist in Klamath Falls, OR starts doing more root canals in-house and prices a cordless endodontic motor, an apex locator and a pair of loupes with a headlight at $8,745 (invented).
At an 11.97% annual rate (invented), 36 months gives a payment of $290.33, and the 36 payments total $10,451.88, which includes $1,706.88 of interest (invented). None of these tools is plumbed in or wired to the chair, so the quote covers the full cost. A dental chair would be equipment, while tying it into water, air or electrical lines would be property work outside this site.
A practice can also ask the dealer whether the motor and locator come with a service plan, and for how long. A plan priced into the quote is financed with the tools; one billed separately each year is an operating cost.
Two Terms Priced on the Same Endodontic Package
| Term | Monthly payment | Total of payments | Interest |
|---|---|---|---|
| 36 months | $290.33 | $10,451.88 | $1,706.88 |
| 48 months | $230.16 | $11,047.68 | $2,302.68 |
Going to 48 months lowers the invented payment by $60.17 and adds $595.80 of interest. A motor and locator may still be in daily use after four years, so the longer term does not outrun the tools; the choice comes down to which payment the office’s monthly collections carry with room to spare.
The term loans page shows how a fixed payment is worked out, and the equipment financing page covers dealer quotes and agreements.
Asking the Dental Lab for Longer Terms Before Drawing on a Line
Invented example: the office’s monthly statement from its dental lab, for crowns and bridges seated that month, comes to $5,315 and is due on the 10th (invented). Before drawing, the office can ask the lab whether it offers 30-day terms or a split across two due dates; terms like those cost nothing if the lab agrees.
A credit line draw of $5,315 at a 15.87% annual rate (invented), paid back 40 days later, costs about $92.44 in interest (invented). The line of credit stays available for the next statement once the draw is repaid.
If the lab agrees to 30-day terms, the draw may not be needed at all; if it does not, the $92.44 is the invented price of paying on the 10th.
Quotes and Statements a Klamath County, OR Dental Office Can Gather
- The dealer quote for the motor, locator and loupes, with model numbers
- Three to six recent business bank statements
- The lab’s last few statements and their due dates
- Loan, lease and card payments the office already makes
The dentist can expect each partner to choose its own documents and make its own call. Fairgrove reads the request with the dentist or office manager first and suggests where it fits.
Counting the Root Canals That Carry the Payment
Invented example: if each root canal the office keeps in-house, rather than referring out, leaves $385 after supplies and chair time, the $290.33 payment on the 36-month term needs one such case a month (invented). The dentist can check that number against the referrals sent out over the past few months.
The same check works for any added service: the monthly payment divided by what one visit leaves over. A figure that is hard to reach on paper is a signal to choose the longer term, trim the package or wait.
Handpieces, burs and files are worn down by use. Repairs and replacements of that kind are better paid from operating cash than folded into a multi-year schedule, which keeps the loan tied to the tools that last.
Supplies such as gloves, composite and impression material follow the same logic as the lab statement: they are used within weeks and repaid from the work they go into, so a draw or operating cash fits them. A dental office buying six months of supplies at a volume price can check whether the discount beats the line interest.
Offices of Dentists in Klamath County, OR in Census Figures
Ten of the 25 offices of dentists with employees in Klamath County, OR, or 40.0%, had fewer than five employees in 2023 (County Business Patterns).
ZIP 97601, which includes Fairgrove’s office, had 11 offices of dentists with employees that year (ZIP Code Business Patterns).
The county’s dental offices paid 174 employees a combined $9.5 million in 2023 (County Business Patterns). The Nonemployer Statistics count four offices of dentists with no paid employees in 2024, separately from those figures.
By Fairgrove Funding Group · Updated