Business Funding for Dental Practices

# Business Funding for Dental Practices

Running a dental practice is expensive. Between high-cost equipment, staff salaries, insurance reimbursement delays, and the constant need to stay current with technology, dentists face unique financial pressures.

The good news: dental practices are among the most fundable small businesses in the country.

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Common Funding Needs for Dental Offices

• Purchasing or upgrading dental equipment (chairs, X-ray, CBCT scanners, CAD/CAM)
• Practice acquisition or buying out a partner
• Opening a second location or expanding your current space
• Managing cash flow gaps from insurance payment delays
• Investing in marketing and new patient acquisition
• Hiring associate dentists or hygienists

Best Funding Options for Dental Practices

Dental Equipment Financing

A single CBCT scanner can run $100,000 or more. Equipment financing lets you acquire it now and pay over time, with the equipment as collateral.

• Finance new or pre-owned equipment
• Terms from 24–84 months
• Preserve working capital

Revenue-Based Working Capital

For cash flow gaps caused by insurance reimbursement delays — get a lump sum repaid as a percentage of your monthly collections.

• No collateral required
• Approval based on monthly collections
• Funding in 24–72 hours

Business Line of Credit

Perfect for managing the unpredictable — a sudden equipment repair, a slow patient month, or a marketing campaign.

• Flexible, revolving access to capital
• Only pay for what you use
• Good for practices with $20,000+ monthly collections

What Lenders Look For

• Time in practice: 1+ years preferred, 6 months minimum
• Monthly collections: $20,000+ is ideal
• Active dental license in good standing
• Credit score: 600+ preferred

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