Merchant Cash Advance for Dental Practices
The compressor failed. Staff payroll is Friday. An equipment opportunity expires next week. Banks need 30 days. MCA can put capital in your practice account within days based on your production revenue when timing is critical.
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MCA for Dental Speed
MCA is not the cheapest dental practice financing, but it is often the fastest. When equipment emergencies, payroll crunches, or opportunities need immediate response, MCA provides capital while other options are still processing.
Speed Priority
MCA excels when speed matters more than cost. Equipment down, payroll crunch, or opportunity requiring immediate action.
Production-Based Qualification
MCA evaluates bank statements and practice production rather than extensive documentation. Dental practices with strong production can qualify despite credit challenges.
Insurance Revenue Recognition
Unlike traditional lenders, MCA providers understand that insurance deposits represent real revenue with predictable patterns.
Strategic Use
MCA works best for short-term, high-value situations: equipment emergencies, expansion opportunities, or bridge capital.
When Speed Trumps Cost
MCA trades higher cost for speed and accessibility when dental situations demand immediate capital.
Equipment Emergency
Compressor fails. Sterilization equipment down. Critical dental equipment needs immediate repair or replacement.
Payroll Crunch
Insurance payments delayed. Staff expects payroll Friday. Need capital to cover the gap.
Equipment Opportunity
Used CBCT available at great price. Offer expires in days. Need capital faster than banks can process.
Bank Timeline Mismatch
Bank wants 30-60 days to review. Your situation needs capital this week.
Credit Challenges
Past credit issues but strong current production. Banks see score. MCA sees revenue.
Documentation Gap
Strong production but no time for extensive bank documentation process.
Dental MCA Process
From application to funding in days, not weeks.
Application
Complete online application with practice information.
10 minutes
Documentation
Provide 4 months of bank statements showing production deposits.
Upload documents
Offer
Receive offer with advance amount, factor rate, and payment structure.
24-72 hours
Funding
Accept and receive funds deposited to your practice account.
Same or next day
Fast Capital for Dental Emergencies
MCA provides rapid access to capital when dental practice situations cannot wait. Equipment emergencies, payroll crunches, and time-sensitive opportunities get addressed in days rather than weeks.
Speed
Most dental MCA applications receive decisions within 24-72 hours. Funding same or next day.
Production Focus
Production and insurance deposits matter more than credit scores. Strong practices qualify despite credit history.
Minimal Documentation
Bank statements and application. No tax returns typically required for MCA.
Credit Flexibility
Credit challenges can be offset by strong practice production.
Equipment Emergencies
Get capital for equipment repair when dental operations cannot wait.
Opportunity Capture
Fund equipment purchases or expansion when timing is critical.
Dental MCA Applications
Situations where MCA speed and accessibility help dental practices.
Equipment Emergency
Compressor, sterilization, or critical equipment down. Need immediate repair capital.
Typical funding: $15K-$50K
Payroll Bridge
Insurance payment delayed. Staff expects payroll. Bridge the gap.
Typical funding: $20K-$75K
Equipment Opportunity
Time-sensitive equipment deal. Need to act before offer expires.
Typical funding: $30K-$150K
Credit Challenges
Strong production but credit issues. Fund based on practice performance.
Typical funding: $25K-$150K
New Associate Bridge
Fund associate salary bridge faster than banks can approve.
Typical funding: $40K-$100K
Marketing Push
Time-sensitive marketing opportunity. Capture new patients quickly.
Typical funding: $15K-$50K
MCA vs. Other Dental Financing
Understanding when MCA makes sense for your dental practice.
| Feature | MCA | Working Capital | Equipment Finance |
|---|---|---|---|
| Speed | 24-72 hours | 3-10 days | 3-7 days |
| Documentation | Bank statements | More required | Equipment quote |
| Credit Requirements | Flexible | Moderate | Moderate |
| Total Cost | Higher | Moderate | Lower |
| Best For | Emergencies/speed | Planned needs | Equipment |
| Payment Structure | Daily/weekly | Monthly | Monthly |
| Production Value | Primary | Important | Supports |
| Collateral | None | Often none | Equipment |
Dental MCA Requirements
MCA qualification focuses on production and practice activity.
Practice Production
Demonstrated production through bank deposits from insurance and patient payments.
$25,000+ monthly deposits
Practice History
Operating dental practice with established patient flow.
6+ months minimum
Bank Account
Practice checking with insurance deposit history.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy proceedings.
No open BK
Active License
Current dental license in good standing.
Active license
Deposit Consistency
Consistent deposit patterns showing practice stability.
Regular deposits
MCA emphasizes production over credit scores. Strong practice deposits support approval regardless of credit history.
Real Results
Precision Dental
General Dentistry, Nevada
The Challenge
Precision's main compressor failed Thursday. $18,000 repair needed. Sterilization impacted. Bank wanted 3 weeks for working capital approval.
The Solution
We evaluated their $65,000 monthly production and approved $25,000 MCA at 1.32 factor. Funding arrived Monday.
The Result
Compressor repaired Tuesday. Practice operational Wednesday. No patient appointments cancelled. MCA cost was fraction of production loss from closure.
“Compressor down Thursday. Money Monday. Fixed Tuesday. Seeing patients Wednesday. Worth every penny versus being closed.”
Dental MCA Data
Statistics on MCA for dental practices.
When MCA Works for Dental
Strategic uses for fast dental capital.
Emergency Response
Equipment failures resolved in days, not weeks.
Speed to Capital
Capital when you need it, not when banks finish processing.
Production Focus
Strong production matters more than credit history.
Simple Process
Bank statements and application. No extensive documentation.
Opportunity Capture
Act on time-sensitive equipment and growth opportunities.
Payroll Security
Bridge insurance payment delays to meet staff obligations.