Who we fund
Dental Practice Loans for Equipment, Buildouts, and Acquisitions
Yes, dental practices can get funding, and dentists are often viewed favorably by lenders because of steady patient demand and professional licensing. Common uses include imaging and operatory equipment, office buildouts, and buying an existing practice.
Get matched: dental
The reality
Cash-flow challenges we hear every day.
Expensive imaging and operatory equipment
CBCT scanners, intraoral scanners, digital X-ray, and fully equipped operatories cost a lot upfront. Adding new technology often means a large purchase before new procedures bring in revenue.
Insurance reimbursement lag
Claims to dental insurers can take weeks to pay, and pre-authorizations delay larger cases. Production on the schedule does not turn into cash right away.
Costly buildouts and relocations
Dental offices need plumbing, compressed air, vacuum lines, and cabinetry in every operatory. A new office or expansion is far more expensive per square foot than a typical office.
Practice acquisition and partner buyouts
Buying a retiring dentist's practice or buying out a partner requires a large sum, usually with goodwill making up much of the price.
Best-fit funding
Funding that fits dental.
SBA 7(a) loans are widely used for dental practice acquisitions, partner buyouts, and buildouts because longer terms help keep payments in line with practice cash flow.
$50K–$5M‡30–90 days*Imaging systems, chairs, and CAD/CAM units can be financed with the equipment as collateral, letting you add services without tying up cash.
$10K–$5M‡2–5 days*If you want to own your office instead of leasing, commercial real estate financing lets the practice build equity in its building.
$250K–$10M+‡30–60 days*A line of credit covers supply orders and payroll while insurance claims are being processed.
$10K–$500K‡1–3 days*What lenders look for
Typical profile for dental.
Lenders typically look at the dentist's license, clinical experience, personal credit, and the practice's collections history. For acquisitions, they review the selling practice's financials, patient base, and production reports.
Common uses of funds
- Buying CBCT, digital X-ray, or intraoral scanners
- Equipping new operatories
- Buying an existing dental practice
- Building out or relocating an office
- Buying out a partner
- Purchasing the building the practice operates in
Can a new dentist get a loan to buy a practice?
Often yes. Lenders frequently work with associate dentists buying their first practice, focusing on clinical experience and the target practice's cash flow rather than years of ownership.
Should I lease or finance dental equipment?
Financing builds ownership and may offer tax advantages, while leasing can mean lower payments and easier upgrades for technology that changes quickly. Talk to your accountant about which fits your situation.
Can I finance a dental office startup?
Startup dental financing exists and some lenders specialize in it. Expect to provide a business plan, location details, and projections, and lenders will weigh your clinical background heavily.
Does goodwill count when financing a practice purchase?
Yes, SBA loans and specialized dental lenders can finance goodwill, which is often a large share of a dental practice's price. A valuation is usually part of the process.
Funding for dental, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor