Business Funding for Dental Practices
The CBCT machine that would transform your diagnostic capability costs $120,000. The senior dentist down the street is ready to sell. Your operatory chairs are 15 years old and patients notice. Dental practices are equipment-intensive businesses where technology investment directly impacts patient care and competitive position.
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Understanding Dental Practice Finance
Dental practices face unique financing challenges driven by expensive specialized equipment, practice acquisition opportunities, insurance reimbursement timing, and the constant need to invest in technology to remain competitive.
Equipment Intensity
A single operatory costs $50,000-$100,000 to equip. CBCT machines run $80,000-$200,000. Digital impression systems cost $20,000-$40,000. Equipment investment never stops.
Practice Acquisition Market
Dental practices trade at 60-80% of annual collections. With many dentists retiring, acquisition opportunities are abundant but require significant capital.
Insurance Reimbursement Timing
Insurance claims take 2-6 weeks to pay. PPO write-offs reduce collections. Cash flow timing is structurally challenging for insurance-heavy practices.
Technology Competition
Patients expect modern technology. Practices with digital x-rays, intraoral cameras, and modern equipment attract and retain patients.
Why Dental Practice Financing is Different
Specialized equipment, practice acquisition, and insurance timing create unique capital needs.
Equipment Capital Requirements
Digital x-ray systems, CBCT, CAD/CAM, lasers. Keeping current requires continuous significant investment.
Practice Acquisition Timing
The right practice is for sale but you need to move fast. Other buyers are circling.
Insurance Reimbursement Delays
Services rendered today are paid in 3-6 weeks. Payroll and rent don't wait for insurance.
Operatory Expansion
More chairs mean more production. But each operatory requires $75,000+ investment.
Technology Refresh Cycles
5-year-old equipment is outdated. Patients compare your practice to modern competitors.
Associate Buy-In
Your associate is ready to buy in. Structuring the transaction requires capital planning.
Financing Built for Dental Practices
Capital solutions structured around how dental practices actually operate. We understand equipment lifecycles, practice valuations, insurance reimbursement timing, and the reality that dental technology investment is continuous.
Equipment Financing
CBCT, digital imaging, operatory equipment, and dental-specific technology. Terms matched to equipment life.
Practice Acquisition
Purchase an existing practice or buy out a partner. Financing for the full practice value.
Working Capital
Bridge insurance reimbursement timing, fund marketing, or cover operational needs.
Operatory Expansion
Add chairs and increase production capacity. Finance full operatory buildouts.
Dental Industry Knowledge
We understand practice economics, equipment value, and dental industry specifics.
Speed for Opportunities
Practice acquisition and equipment deals don't wait. Decisions in days, not months.
How Dental Practices Use Funding
Real scenarios where dental financing enables growth and patient care.
Digital Imaging Equipment
CBCT, digital x-rays, intraoral cameras, and diagnostic technology upgrades.
Typical funding: $40K-$200K
Practice Acquisition
Purchase an existing practice, buy out a partner, or acquire a competitor.
Typical funding: $200K-$1M+
Operatory Addition
Add treatment rooms with chairs, delivery systems, and all equipment.
Typical funding: $60K-$150K per operatory
CAD/CAM Systems
Same-day crowns, digital impressions, and in-office milling technology.
Typical funding: $100K-$200K
Office Renovation
Modernize your practice to match patient expectations and technology needs.
Typical funding: $75K-$300K
Working Capital
Bridge insurance timing, fund marketing, or cover seasonal variation.
Typical funding: $25K-$150K
Dental Practice Financing Options
Understanding the range of capital solutions for dental practices.
| Feature | Alternative Lender | Bank Loan | Equipment Vendor |
|---|---|---|---|
| Approval Speed | 5-14 days | 45-90 days | 7-21 days |
| Dental Industry Knowledge | High | Moderate | Equipment only |
| Practice Acquisition | Available | Available | No |
| Equipment Financing | Available | Available | Primary focus |
| Working Capital | Available | Limited | No |
| Amount Range | $50K-$1M+ | $250K+ | Equipment value |
| Cost | Moderate | Lowest | Moderate |
| Credit Flexibility | Moderate | Strict | Moderate |
Dental Practice Qualification Basics
General guidelines for dental practice financing. Every situation is evaluated individually.
Licensed Dentist
Current dental license in good standing. Practice in appropriate structure.
Licensed DDS or DMD
Operating History
Established practice with patient base. Startups evaluated differently.
1+ years for most products
Annual Collections
Consistent production demonstrating practice viability.
$400,000+ annual collections
Practice Financials
Tax returns and financial statements for larger amounts.
2 years tax returns
Personal Credit
Owner credit reviewed for most products. Practice strength matters too.
650+ for best terms
Debt Service Coverage
Practice cash flow sufficient to service new debt.
1.25x DSCR
Dental practices with strong collections and established patient bases demonstrate financing stability. Equipment provides collateral value.
Real Results
Summit Dental Group
General Dentistry, Colorado
The Challenge
Summit Dental had the opportunity to acquire a neighboring solo practice for $340,000. The retiring dentist wanted to close within 60 days. Banks quoted 90-120 day timelines. The deal would fall apart without faster funding.
The Solution
We evaluated the acquisition based on the target practice's collections ($480,000 annually), patient base, and equipment. Approved $375,000 including working capital within 12 days.
The Result
Acquisition closed in 52 days. Patient retention exceeded 85%. Combined practice revenue reached $1.1M within 18 months. The acquisition paid for itself in under 4 years.
“The practice was perfect - established patients, good location, and a retiring dentist ready to hand over the keys. Banks couldn't move fast enough. Closing in 52 days saved the deal.”
Dental Industry Snapshot
Key metrics shaping dental practice financing decisions.
Why Dental Practices Choose Us
What sets dental-focused financing apart.
Dental Equipment Expertise
We understand CBCT, CAD/CAM, digital imaging, and dental equipment values.
Practice Acquisition Support
Financing for practice purchases structured around dental practice economics.
Insurance Timing Understanding
We know insurance reimbursement creates cash flow challenges. Our solutions help.
Operatory Expansion
Add chairs, increase production capacity, grow your practice.
Technology Investment
Stay current with diagnostic and treatment technology that patients expect.
Speed for Opportunities
Practice sales and equipment deals have timelines. We move fast.
Explore Your Options
Different financing products for different needs. Find the right solution for your business goals.
Equipment Financing
Finance CBCT, digital imaging, CAD/CAM, operatory equipment, and dental technology. Terms matched to equipment useful life.
Business Term Loans
Purchase an existing practice, buy out a partner, or fund major expansion. Structured for dental practice economics.
Working Capital Loans
Bridge insurance reimbursement timing, fund marketing, or cover operational needs between collections.
Business Line of Credit
Pre-approved capital for equipment, supplies, or opportunities. Draw as needed, pay down, repeat.
SBA Dental Loans
Government-backed financing with the best rates. Ideal for practice acquisition or major expansion.
Revenue-Based Financing
Payments tied to your collections. Busy months pay more, slower months adjust automatically.