Capital Solutions for Modern Dental Practices
Dental practices face unique financial pressures—expensive technology investments, insurance reimbursement delays, and growing competition from corporate dentistry. We provide funding that helps independent dentists thrive.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score
From Application to Funding in Days, Not Months
Share your specialty, production numbers, and what you need funding for. We understand the metrics that matter in dentistry.
Our team evaluates your practice with knowledge of production, collections, and the unique economics of dental businesses.
Review multiple funding offers with different structures. Pick what aligns with your practice cash flow and growth plans.
Funds arrive quickly—often within 24-48 hours. Invest in technology, renovate, or pursue that acquisition opportunity.
Why Dental Professionals Choose Us for Financing
We Understand Dental Economics
Production versus collections, insurance mix, and the operational realities of running a dental practice are factored into how we evaluate your business.
Technology That Attracts Patients
Digital imaging, CAD/CAM, and modern operatory equipment differentiate your practice. Our equipment financing helps you stay competitive.
Bridge Insurance Reimbursement Gaps
Waiting 30-60 days for insurance payments while covering lab fees, supplies, and payroll creates stress. Our working capital solutions help.
Practice Acquisition Support
Whether you are buying your first practice, acquiring a competitor, or buying out a retiring partner, we provide capital for ownership transitions.
All Dental Specialties Welcome
General dentistry, orthodontics, periodontics, endodontics, oral surgery, cosmetic, pediatric—we fund dental practices of all types.
Transparent Terms You Can Trust
Dental billing is complicated enough. Our funding terms are straightforward, with all costs disclosed before you commit.
Funding Designed for How Dental Practices Actually Operate
Whether you need to upgrade operatory equipment, expand to a second location, or simply manage cash flow between insurance payments, we have solutions built for dental professionals.
Dental practices operate with unique financial dynamics. Insurance reimbursement timing varies wildly. Technology costs rival medical practices. Patient expectations keep rising. We have spent years learning the dental industry so we can provide capital that makes sense for your production schedule and patient care goals.
Dental Practice Funding at a Glance
We offer multiple products to address different practice needs. Some dentists need equipment financing for major technology purchases. Others need working capital to manage insurance delays. Many use a combination as their practice grows.
Most dental practices qualify for multiple products. Your funding advisor will help compare options and recommend the best approach.
Financing Options for Dental Practices
Different practice needs call for different solutions. Here are the products dental professionals use most frequently.
How Credit Affects Dental Practice Financing
Your personal credit score is one factor, but not everything. We evaluate the complete picture: practice production, collection rates, patient base, and overall business performance.
Good News
Dental professionals with credit scores in the 500s regularly qualify for funding when they demonstrate solid production numbers and healthy collections. Your practice performance often tells the real story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
Challenged Credit
Multiple options available based on practice performance
Dental Industry Funding Insights
$500K+
average equipment investment in a modern dental practice. Technology like CAD/CAM and digital imaging improves care and attracts patients.
(Source: American Dental Association)
70%
of dental practices use external financing for growth or equipment. Capital is a normal, strategic part of practice operations.
(Source: Dental Economics Survey)
30-60
average days to receive insurance reimbursement. Our working capital solutions bridge this gap so your practice runs smoothly.
(Source: Dental Practice Management)
Evaluating Dental Practice Financing
Invest in technology that improves patient care
Fund practice acquisitions or partner buyouts
Renovate facilities to modern standards
Bridge cash flow gaps during insurance delays
Market your practice to attract new patients
Build credit history for better future terms
Financing costs reduce overall practice margin
Some products require frequent payments
Personal guarantees may be required
Fast funding options typically cost more than SBA loans
Compare Dental Practice Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Equipment Financing | $25K to $500K | 6% to 18% APR | 3 to 7 days |
| Working Capital Loan | $25K to $300K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $50K to $500K | 8% to 20% APR | 3 to 7 days |
| SBA Loan | $50K to $1M | Prime + 2.75% | 8 to 12 weeks |
Dental Practice Qualification Requirements
$15K+
Monthly Collections
500+
Credit Score
6+ months
Time in Practice
Get Funding for Your Dental Practice
Apply today and receive funding decisions quickly. Our team understands dental financing and the unique needs of dental professionals.
Start Your Application
Complete a short application about your practice, including your specialty, monthly collections, and funding needs.
Upload recent bank statements and basic practice information. We review them with an understanding of dental revenue patterns.
Review your offers, choose the best fit, and receive funds. Most dental practices get funded within 24 to 48 hours.
Dental Practice Funding Products
Explore specific financing options available for your dental practice.
Related Industries We Fund
We also specialize in financing for these related industries.
Dental Practice Financing Questions
We fund general dentistry, orthodontics, periodontics, endodontics, oral surgery, cosmetic dentistry, pediatric dentistry, and dental laboratories of all sizes.
Yes, we provide capital for buying existing practices, including goodwill, equipment, and working capital needs. SBA loans often offer the best terms for acquisitions.
We finance digital imaging systems, CAD/CAM, dental chairs, operatory units, sterilization equipment, practice management software, and all other dental equipment.
Yes, though requirements vary. Newer practices typically need at least 6 months of operation and demonstrated production. Experienced dentists starting new practices may have additional options.
We primarily work with independent dental practices but can discuss options for various ownership structures on a case-by-case basis.
It matters, but practice performance often outweighs credit challenges. We have funded many dentists with credit scores below 600 who demonstrate solid production and collections.
Many practices receive decisions within 24 hours and funding within 24-48 hours. Equipment financing and SBA loans take longer, typically 1-12 weeks.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership. Larger amounts or SBA loans require additional documentation.
Ready to Invest in Your Practice?
Whether you need equipment, working capital, or acquisition funding, our team specializes in dental practice financing and understands your unique challenges.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score