Capital Sized To Collections, Not Just Credit.
Dental practices carry heavy equipment, a build-out, and a gap between production and payment — and a bank that only reads last year's return misses how the practice actually runs. We place dentists and specialists with partners who read collections, deposit patterns, and receivables aging, whether you are acquiring a practice, adding operatories, or covering a slow collection cycle.
Acquisitions & partner buy-ins Chairs, imaging & CAD/CAM Receivables-aware underwriting
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Four ways dental practices get funded
Most dental files are placed as one of these structures — or a blend, when the equipment and the working capital need different treatment.
Practice Acquisition & Buy-In
Best for buying a practice, adding a second location, or buying into a partnership.
- Programs
- SBA 7(a) and 504, conventional commercial mortgages, and conventional term loans.
- Timeline
- Longer review — usually weeks, not days — in exchange for the lowest available pricing and longest terms.
- Documents
- Seller collections and financials, the purchase agreement, the lease, and your production history.
Equipment & Operatory Financing
Best for chairs, 3D imaging, scanners, mills, sterilization, and operatory build-outs.
- How it underwrites
- The equipment carries much of the collateral weight, which widens approvals.
- Terms
- Typically 24 to 72 months, structured so the equipment produces while it is paid for.
- Also covers
- Leasehold improvements, plumbing, and installation on many programs.
Practice Working Capital
Best for payroll, supplies, tax bills, marketing, and slow insurance collection cycles.
- How it underwrites
- Deposit and collections history rather than a single tax return.
- Speed
- Commonly funded in 24 to 72 hours once bank statements are in.
- Repayment
- Fixed term schedules or revenue-based repayment that flexes with collections.
Patient Financing
Best for practices that want to present treatment plans patients can actually accept.
- How it works
- Patients pay over time through a third-party program while the practice is paid up front.
- Why it matters
- Case acceptance on larger treatment plans often turns on whether a payment option exists.
- Setup
- Runs alongside your existing processing — see our customer financing page.
What dental practices actually fund
These are the requests that come across the desk most often from practice owners.
Buying a retiring dentist's practice
Finance the acquisition against the practice's collections and your production record.
Adding operatories
Build out and equip additional chairs to raise daily capacity.
3D imaging or scanner upgrade
Finance technology that brings procedures in-house instead of referring them out.
Slow insurance collections
Cover payroll and supplies while receivables work their way through.
Practice relocation or remodel
Fund the build-out, signage, and moving costs in one structure.
Partner buy-in or buy-out
Finance an ownership change without stripping practice reserves.
Dental Practice Financing Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and uses a soft credit pull.
What this calculator works out
This dental practice financing calculator estimates how a dental or specialty practice measures against typical lending requirements using monthly collections, months in business, and credit score.
Practice selection criteria
Requirements vary widely by program. These are the general ranges across the partner network.
Time in business
Six months or more for revenue-driven programs; two years or more opens the lowest-cost structures. Acquisitions are reviewed on the seller's history plus your record.
Revenue
Consistent collections matter more than one strong month. Many programs start around $15,000 in monthly revenue.
Credit profile
500+ can be placed on volume-driven programs. 650+ widens options considerably, and SBA and acquisition structures expect stronger profiles.
Documents
Three to six months of bank statements, a production or collections report, and your lease. Full files add tax returns, receivables aging, and a debt schedule.
What underwriters look at in a dental file
Practice lending has its own vocabulary. Knowing what gets checked changes how a file is packaged.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Collections versus production
Production shows capacity; collections show cash. Underwriters fund against collections.
Receivables aging
An aging report explains a payment gap that would otherwise look like weak revenue.
Payer mix
Insurance-heavy, PPO, and fee-for-service practices carry different cash rhythms, and partners price accordingly.
Equipment age and mix
An equipment list shows whether the request is replacement or added capacity.
Lease term remaining
For build-outs, remaining lease term generally needs to outlast the financing.
Use of funds
A specific, production-generating use — operatories, imaging, acquisition — reads far better than general cash.
Questions, Answered
Yes. Practice acquisitions and partner buy-ins are financed regularly, most often through SBA 7(a) or conventional term structures using the practice's collections history and your production record.
Yes. Operatory build-outs, chairs, 3D imaging, scanners, mills, and sterilization equipment are financed as equipment, where the equipment carries much of the collateral weight.
Yes. Underwriters read your collections and deposits, and insurance-heavy practices are common. A receivables aging report helps explain the gap between production and cash.
Start-ups are placeable but narrower. Options center on equipment financing for the operatory, SBA structures with a strong personal profile, and credit-driven programs until collections history exists.
That is patient financing, a separate program. It lets patients pay over time while the practice is paid up front — see our customer financing page.
Working capital commonly funds in 24 to 72 hours once bank statements are in. Equipment files typically take 3 to 10 business days, and acquisition or SBA files run weeks.
Fund Your Dental Practice
One application, matched against 50+ lending partners. Soft credit pull to start, and no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015