Revenue-Based Financing for Dental Practices
December production drops 20% for holidays. July slows when families vacation. Revenue-based financing ties payments to your actual collections, automatically adjusting to the natural variation in dental practice cash flow.
How much funding do you need?
Drag the slider or type an amount
Perfect for Dental Production Patterns
Revenue-based financing calculates payments as a percentage of your deposits. Since dental collections follow predictable patterns, payments automatically match your actual cash flow.
Collection Variation Match
An 8% revenue share on a $70,000 collection month means $5,600 payment. That same 8% on a $50,000 holiday month means only $4,000. Built-in flexibility.
Holiday Protection
December collections drop 20-30% for many practices. Fixed payments continue at full amount. Revenue-based drops automatically.
Insurance Timing Accommodation
Insurance reimbursement timing creates collection variation. Revenue-based payments follow actual deposits, not theoretical production.
Automatic Adjustment
No negotiation or modification requests required. The structure adjusts based on actual bank deposits automatically.
Why Fixed Payments Create Stress
Production and collection variation is dental practice reality. Financing should acknowledge this.
Fixed Payments vs. Variable Collections
A $5,000 monthly payment is manageable on $70,000 collection months but tight on $50,000 holiday months.
Holiday Slowdowns
December and summer see reduced patient flow. Fixed payments continue at full amount regardless of production drop.
Insurance Timing Variation
Insurance reimbursement timing creates collection variation that fixed payments ignore.
New Associate Ramp
Adding an associate means production variation during patient base development. Fixed payments ignore ramp patterns.
Cash Flow Strain
Fixed payments during slow periods strain cash flow and force difficult choices about operations.
Marketing Campaign ROI
Marketing investment creates production variation. Revenue-based captures upside while protecting downside.
Revenue-Based Financing Process
Get approved with payments that automatically match your collection flow.
Application
Complete application with practice information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing collection patterns.
Upload documents
Evaluation
We analyze collection patterns and production to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited to your account.
1-2 days after approval
Payments That Match Practice Reality
Revenue-based financing ties payments to your actual collections. Strong months pay more when you have the cash. Slow periods adjust automatically. Natural alignment with dental practice operations.
Collection Automatic Flex
Payments follow actual collections. Slow month means proportionally smaller payment.
Holiday Protection
December collections down 25%? Payments drop 25% automatically. No requests needed.
Fast Access
Most applications receive decisions within 24-72 hours.
Insurance Timing Accommodation
Payments based on actual deposits, not theoretical production.
No Negotiation
Payments adjust automatically. No modification requests or negotiations.
Growth Alignment
Growing production means growing deposits means comfortable accelerated repayment.
Revenue-Based for Dental Practices
Common applications where collection-aligned payments provide optimal structure.
Equipment Purchase
Finance equipment with payments that track your collection flow.
Typical funding: $30K-$150K
Working Capital
Operating capital with payments that flex with collections.
Typical funding: $25K-$100K
Marketing Investment
Fund patient acquisition. Pay more as new patient production increases.
Typical funding: $15K-$50K
New Associate Bridge
Fund associate during ramp. Payments grow as production grows.
Typical funding: $50K-$150K
Technology Upgrade
Digital imaging, software, technology with flexible repayment.
Typical funding: $25K-$100K
Practice Improvement
Renovations and improvements paid back through enhanced production.
Typical funding: $40K-$125K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | Bank Loan |
|---|---|---|---|
| Payment Structure | % of collections | Fixed monthly | Fixed monthly |
| Holiday Adjustment | Automatic | None | None |
| Slow Period Adjustment | Automatic | None | None |
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Collection Value | Primary factor | Considered | Minor factor |
| Total Cost | Known factor | Known APR | Known APR |
| Best For | Variable practices | Budget certainty | Lowest cost |
| Documentation | Bank statements | More extensive | Extensive |
Revenue-Based Requirements
What qualifies dental practices for revenue-based financing.
Collection History
Consistent collections through bank deposits from insurance and patients.
$30,000+ monthly
Practice History
Established dental practice with proven operations.
1+ year preferred
Collection Patterns
Regular deposits showing operational consistency.
Consistent patterns
Production Level
Clear production and collection pattern demonstrating practice health.
Healthy production
Active Operations
Currently operating practice with patient flow generating deposits.
Active practice
Positive Trajectory
Stable or growing collection pattern.
Positive direction
Revenue-based financing emphasizes collection patterns over credit scores. Seasonal variation is expected and the structure is designed for it.
Real Results
Seasons Family Dental
General Dentistry, Minnesota
The Challenge
Seasons had significant variation: $75,000 monthly collections in peak months, $50,000 in December/January. Fixed $4,500 payments were comfortable most months but strained holiday cash flow.
The Solution
Revenue-based financing for $60,000 at 8% of collections. Peak months paid $6,000. Holiday months dropped to $4,000 automatically.
The Result
Financing repaid primarily during strong production periods. Holiday cash flow stress eliminated entirely. Practice refinanced for expansion with same structure.
“Holidays were always tight with fixed payments. Revenue-based means December payments drop when production drops. Finally financing that understands dental practice reality.”
Dental Revenue Data
Understanding dental practice revenue patterns.
Why Dental Practices Choose Revenue-Based
Benefits of collection-aligned payment structures.
Holiday Automatic
No payment adjustment requests. December payments drop automatically.
Slow Period Relief
Collection slowdowns mean proportionally smaller payments.
Insurance Timing Match
Payments based on actual deposits, not theoretical production.
Growth Alignment
Growing collections means comfortable accelerated repayment.
Fast Access
Quick approval when equipment or opportunities cannot wait.
Simple Process
Bank statements demonstrate collection patterns. No extensive documentation.