A dental practice carries two financial pressures most businesses don't: very expensive equipment, and a constant lag between treating patients and getting paid by insurers. Both are solvable with the right funding. Steady collections and predictable production make established practices very fundable, including practices with mid-600 owner credit.
What dental practices fund most
- Imaging & CAD/CAM — CBCT scanners, intraoral scanners, and CEREC milling units that expand same-day care
- Operatory build-outs — adding chairs and rooms to lift production per provider
- Insurance-gap working capital — covering payroll and supplies while reimbursements are in transit
- Practice acquisition & transitions — funding a portion of a buy-in or a satellite location
- Technology & software — practice management systems, digital records, and patient communication tools
- Marketing & new-patient growth — campaigns to fill the schedule and grow recall
Matching funding to the practice
Different needs suit different structures. For a CBCT, scanner, or mill, equipment financing is often cleanest because the unit helps secure the deal. To bridge the reimbursement cycle and keep payroll smooth, working capital or a revenue based financing program gives flexible cash that flexes with collections. For a planned build-out or acquisition with a fixed budget, a business term loan keeps payments predictable. If aging insurance receivables are the real bottleneck, A/R financing can advance against them.
💡 ROI tip: equipment that adds same-day or higher-value procedures — like a scanner that keeps crown work in-house — often pays back fastest. When you fund a machine, map the new production it enables against the payment so the equipment is earning while you pay for it.
Typical qualifying profile
- 6+ months of practice collections (established practices are strongest)
- Consistent monthly deposits from patient and insurance collections
- Mid-600 owner credit or improving — see the 650 credit score guide
- A business bank account with clean recent activity
Have your statements ready — the document checklist shows exactly what's needed. Approval and terms are subject to lender underwriting. This is business-purpose funding for the practice, not a personal or consumer loan.
Fund the chair, scanner, or build-out
One 60-second form. No documents to start, and the short form does not pull credit.
Check My Funding OptionsFAQ
How fast can a practice get funded?
Working capital reviews can start the same day statements are in, with many decisions in 24–72 hours. Larger equipment deals tied to a vendor quote can take a bit longer. Timing varies by lender and documentation.
Does the practice's insurance mix affect approval?
Underwriters mainly read the deposits that hit your business account, regardless of which payer they came from. A consistent collections pattern matters more than the specific insurance mix. The guide on how lenders read bank statements explains what they look at.