Dental Practice Financing
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.
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Acquisitions & partner buy-ins Chairs, imaging & CAD/CAM Receivables-aware underwriting
Matched to the right lender — one at a time, no hard credit pull to explore.
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One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
See which funding options you qualify for
Four quick questions. No hard credit pull, no documents, no phone call to get started — just a clear read on where your business stands against our 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.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
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.
Start Here
Which one sounds like your practice?
Adding a chair, scanner or imaging?
Equipment financing lets the equipment carry much of the weight. Run a sample payment first.
Insurance payments are slow?
Working capital can cover payroll and supplies while claims are paid. Some programs look at your collections.
Patients saying no to big treatment plans?
Patient payment programs let patients pay monthly through an outside provider while your practice is paid.
Examples only. Approval, rates and timing are never guaranteed.
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
- Timing depends on the program and the lender; many working-capital files move quickly, real estate takes longer.
- 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 our funding team sees 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 requires no hard 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 involves no hard credit pull to explore your options.
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.
OperatoryIQ™
Will a new operatory pay for itself?
Enter the cost to build out a chair and what it would produce. We'll compare the financed payment against the added profit and estimate payback.
Added monthly profit
$7,448
Est. monthly payment
$1,368
Net monthly after payment
$6,080
Coverage
5.45x
Payback
11.4 months
The rate is your planning assumption, not a quote. Estimates only.
Educational estimate only — not an offer, approval, or rate quote. Our lending partners set final terms after underwriting.
Terms & abbreviations
- Operatory
- A fully equipped treatment room — chair, delivery unit, light, imaging and cabinetry.
- Production
- The dollar value of dentistry performed, before insurance write-offs.
- Collections
- What the practice actually receives after write-offs and patient balances.
- Collection rate
- Collections ÷ production. Healthy practices often run 95%+ of adjusted production.
- Margin
- Share of added collections left after added staff, supplies and lab fees.
- Coverage
- Added profit ÷ financed payment. Above 1.25x means a comfortable cushion.
- Payback
- Months of added profit needed to recover the build-out cost.
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. SBA & commercial real estate →
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. Equipment financing →
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.
Timing depends on the program and the lender; many working-capital files move quickly, real estate takes longer. Acquisition and SBA files typically run longer. SBA & commercial real estate →
Fund Your Dental Practice
One advisor matches your file to one lender at a time. No hard 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 involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015