Term Loans for Dental Practices
Some practice investments need predictable financing. Equipment packages, operatory expansion, or practice improvements deserve fixed monthly payments you can plan around. When you need to budget precisely, term loans provide certainty.
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When Term Loans Work for Dental
Term loans excel for substantial practice investments where payment predictability matters more than daily flexibility. Fixed monthly payments enable precise budgeting.
Fixed Payment Budgeting
A $150,000 term loan at 14% for 60 months means $3,500 monthly. This predictability lets you plan with complete confidence.
Equipment Investment Match
Major equipment that will serve your practice for 10+ years deserves financing over appropriate terms, not compressed into 12 months.
Total Cost Clarity
Interest rate and amortization schedule show exact total repayment from day one. No surprises over the loan term.
Faster Than SBA
Term loans fund in 1-4 weeks versus 60-90 days for SBA. Rates are higher but speed may be necessary.
When Predictable Payments Matter
Major practice investments often demand fixed monthly obligations that can be planned around.
Variable Payment Uncertainty
MCA payments vary with deposits. When you cannot predict financing costs, practice planning becomes difficult.
Major Investment Scale
Equipment packages, operatory build-outs, and technology upgrades require substantial capital with long-term planning.
Long-Term Equipment Match
A $100,000 CBCT that will perform for 15 years should not be financed over 12 months with crushing payments.
Budget Integration
Practice budgets require known costs. Variable payments make annual planning and overhead calculation difficult.
SBA Timeline
SBA offers best rates but takes 60-90 days. Term loans bridge when time matters more.
Financing Cost Comparison
Variable payment products make true cost comparison difficult. Fixed payments clarify total expense.
Dental Term Loan Process
Get fixed payment financing with clear terms and predictable costs.
Application
Complete application with practice information, use of funds, and financial details.
15 minutes
Documentation
Provide bank statements showing production and financial information.
Upload documents
Underwriting
We evaluate production, time in practice, and repayment capacity.
7-21 days
Funding
Accept terms with fixed payment schedule. Funds deposited to your account.
1-3 days after approval
Structured Financing for Practice Investments
Term loans provide predictable monthly payments over extended periods. When your dental practice needs substantial capital with budget certainty, term loans deliver clear total cost and manageable payments.
Fixed Monthly Payments
Same payment every month for the entire term. Know exactly what you owe regardless of production variation.
Extended Terms
Terms from 1-7 years spread payments to manageable levels that fit practice cash flow.
Clear Total Cost
Interest rate and amortization schedule show exact total repayment from the start.
Build Business Credit
Regular on-time payments build your business credit profile for future financing.
Faster Than SBA
Fund in 1-4 weeks versus 60-90 days for SBA. When time matters more than lowest rate.
Dental Understanding
We evaluate dental practices based on production and collection patterns.
Dental Term Loan Applications
Common situations where predictable financing serves dental practices well.
Equipment Package
Multiple pieces of dental equipment bundled into one financing.
Typical funding: $75K-$300K
Operatory Expansion
Build-out and equipment for additional operatories.
Typical funding: $50K-$150K
Technology Upgrade
Digital imaging, CAD/CAM, practice management systems.
Typical funding: $50K-$200K
Practice Renovation
Office renovation and modernization with long-term financing.
Typical funding: $75K-$250K
Working Capital
Substantial working capital with predictable repayment.
Typical funding: $50K-$200K
Associate Investment
Capital for bringing on associate with fixed payment structure.
Typical funding: $75K-$200K
Term Loans vs. Alternative Dental Financing
Understanding when fixed payments make sense versus alternatives.
| Feature | Term Loan | MCA | SBA Loan |
|---|---|---|---|
| Payment Structure | Fixed monthly | Daily/weekly | Fixed monthly |
| Repayment Term | 1-7 years | 6-18 months | 10-25 years |
| Total Cost | Clear from start | Factor rate | Clear from start |
| Typical Rate | 12-20% APR | 25-45% effective | 9-11% APR |
| Payment Predictability | Exact amount known | Varies | Exact amount known |
| Time to Fund | 1-4 weeks | 24-72 hours | 60-90 days |
| Best For | Mid-range needs | Emergencies | Major investments |
| Documentation | Moderate | Light | Extensive |
Term Loan Requirements for Dental
What qualifies dental practices for fixed payment term loans.
Practice History
Established dental practice with production history and track record.
1-2+ years preferred
Production Level
Sufficient production to support fixed monthly payments.
$350,000+ annual
Dentist Credit
Term loans require decent personal credit from dentist owners.
620+ preferred
Bank Statements
Practice bank account showing production and collection patterns.
4-6 months statements
Collection Ratio
Demonstrated collection efficiency and practice management.
85%+ collection
Cash Flow Capacity
Ability to maintain payments alongside practice operations.
Adequate cash flow
Strong production and collection ratios support term loan qualification. Each practice evaluated individually.
Real Results
Bright Smile Dentistry
General Dentistry, Ohio
The Challenge
Bright Smile needed $120,000 for two new operatories: chairs, delivery systems, and build-out. MCA quotes showed variable payments that made budgeting impossible.
The Solution
We structured a 60-month term loan for $120,000 at 15% with fixed monthly payments of $2,850. Total cost known from day one.
The Result
Operatories completed and generating production within 8 weeks. Fixed payments incorporated into monthly budget with confidence. New capacity increased annual production $180,000.
“MCA payments varied every day. I could not plan or budget. Fixed payments let me know exactly what I owe every month. Much easier to manage practice finances.”
Dental Term Loan Data
Statistics on term lending for dental practices.
Term Loan Advantages for Dental
Why fixed payment financing works for dental practices.
Budget Certainty
Build fixed financing costs into practice budget with precision.
Lower Than MCA
Term loans typically cost significantly less than MCA or daily payment products.
Clear Payoff Date
Know exactly when financing will be paid off. Plan for next investment.
Credit Building
Regular payments build business credit profile for future financing.
Faster Than SBA
When you cannot wait 60-90 days for SBA processing.
Refinancing Path
Strong payment history may enable SBA refinancing at lower rates.