Working Capital for Dental Practices
Insurance companies pay in 30-45 days. Your staff expects paychecks every two weeks. Lab bills arrive monthly. The timing mismatch between dental production and collection creates constant working capital pressure that predictable patient flow cannot solve alone.
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Working Capital in Dental Practice
Dental working capital must account for insurance reimbursement timing, lab bill cycles, supply costs, and the reality that production precedes collection by weeks.
The Reimbursement Timing Gap
Production happens Monday. Insurance claim submitted Tuesday. Payment arrives 30-45 days later. Meanwhile, staff payroll and lab bills are due.
Lab Bill Timing
Lab work is ordered before patient pays. Crown prep on day 1, lab bill in 2 weeks, patient payment in 4-6 weeks. The cash flow gap is structural.
Staffing Costs
Dental practices typically spend 25-30% of collections on staff. Hygienists, assistants, and front desk expect regular paychecks regardless of insurance timing.
Supply Inventory
Dental supplies must be stocked before procedures. Suppliers want payment in 30 days. Insurance pays in 45. The gap requires working capital.
Dental Working Capital Challenges
The timing mismatch between dental production and insurance collection defines practice finance.
Insurance Reimbursement Delays
Production today, payment in 30-45 days. The structural timing gap between service and collection creates constant cash pressure.
Lab Bill Timing
Lab work ordered before patient pays. Crown prep today means lab bill in 2 weeks but payment in 6 weeks.
Payroll Obligations
Staff expect regular paychecks. Hygienists, assistants, and front desk cannot wait for insurance companies.
Supply Inventory
Dental supplies must be purchased before procedures. Suppliers want payment before insurance companies pay you.
New Associate Hiring
Bringing on an associate requires salary investment before their production generates collections.
Equipment Opportunities
Equipment deal available now. Insurance AR will pay next month. Bridge the timing gap.
Working Capital Application Process
From application to funding in days, not weeks.
Application
Complete online application with practice information and capital needs.
10 minutes
Documentation
Provide bank statements showing production deposits and revenue patterns.
Gather documents
Evaluation
We review financials understanding dental economics and insurance AR timing.
24-72 hours
Funding
Accept terms and receive funds deposited to your practice account.
Same or next day
Cash Flow Support for Dental Practices
Working capital structured for dental operations provides the bridge between production and collection. Fund payroll, cover lab bills, maintain supply inventory, and capture opportunities without waiting for insurance payment.
Insurance AR Bridge
Bridge the gap between production and insurance payment. Work performed today, capital available now.
Dental Practice Understanding
We evaluate practices understanding production, collection ratios, and insurance reimbursement patterns.
Payroll Coverage
Meet payroll obligations regardless of insurance timing. Staff expects consistent payment.
Fast Decisions
Dental operations cannot wait for bank timelines. Get capital decisions in hours to days.
Lab Bill Coverage
Pay lab bills when due, not when insurance finally pays. Maintain good lab relationships.
Growth Enablement
Fund new associates, marketing, or equipment without depleting operating reserves.
Working Capital Applications
Common scenarios where dental working capital makes the difference.
Insurance AR Bridge
Bridge the gap between production and insurance reimbursement. Cover operations while waiting for payment.
Typical funding: $30K-$100K
Payroll Coverage
Meet staff payroll when insurance payments run behind schedule.
Typical funding: $20K-$75K
Lab Bill Payment
Cover lab bills when due. Maintain relationships with quality labs.
Typical funding: $15K-$50K
New Associate Bridge
Fund new associate salary while their patient base and production builds.
Typical funding: $50K-$150K
Supply Inventory
Stock supplies and materials needed for scheduled procedures.
Typical funding: $15K-$40K
Marketing Push
Fund patient acquisition campaign. Repay from new patient production.
Typical funding: $20K-$75K
Working Capital Options for Dental
Understanding available options for dental practice working capital.
| Feature | Working Capital Loan | Bank Line of Credit | Revenue-Based |
|---|---|---|---|
| Speed | 24-72 hours | 30-60 days | 24-48 hours |
| Dental Understanding | High | Low | Moderate |
| Payment Structure | Fixed schedule | Interest on draws | % of deposits |
| Collateral | Often none | Usually required | None |
| Insurance AR Value | High | Moderate | Deposit based |
| Best For | Planned needs | Ongoing access | Variable production |
| Total Cost | Moderate | Lower | Varies |
| Credit Requirements | Moderate | Strong | Revenue focused |
Working Capital Requirements
General requirements for dental practice working capital loans.
Practice History
Established dental practice with consistent production history.
1+ year preferred
Production Level
Demonstrable production and collection showing practice viability.
$300,000+ annual production
Bank Activity
Business bank account showing insurance deposits and revenue patterns.
4+ months statements
Collection Ratio
Reasonable collection ratio demonstrating practice management.
85%+ collection rate
Active License
Current dental license in good standing.
Active license
Current Obligations
Current on existing business obligations.
No current defaults
Strong insurance AR and consistent production support working capital approval regardless of temporary cash flow variations.
Real Results
Smile Dental Group
General Dentistry, Florida
The Challenge
Smile Dental was hiring a new associate and needed $65,000 for salary bridge plus supply inventory. Insurance AR was strong but cash was tight from recent equipment purchase.
The Solution
We structured $70,000 working capital based on their $85,000 monthly production. Payments aligned with their typical insurance reimbursement cycle.
The Result
Associate hired and ramped successfully. New patient production covered financing costs within 6 months. Working capital repaid on schedule.
“We had strong AR but tight cash from equipment. Working capital let us hire the associate we needed without waiting for insurance payments.”
Dental Working Capital Data
Industry benchmarks for dental practice working capital needs.
Working Capital Advantages for Dental
Why dental practices choose working capital loans.
Insurance AR Bridge
Bridge the structural timing gap between production and payment.
Payroll Security
Never stress staff payroll. Meet obligations regardless of insurance timing.
Lab Relationships
Pay labs on time. Maintain relationships with quality dental labs.
Growth Capital
Fund associates, marketing, or expansion without cash flow strain.
Speed to Capital
Get cash when you need it, not when banks finish processing.
Dental Understanding
We understand dental economics and insurance reimbursement patterns.