This Is Why You're Here
Why Dentals Come to Us Instead of Their Bank
You want to add implant services but need a $95K CBCT scanner. The manufacturer wants payment in 30 days. Your bank wants 90 days to process. The competitor across town already offers implants.
Your practice management software is end-of-life. The upgrade including hardware, training, and data migration costs $45K. This isn't optional — it's a compliance requirement.
A retiring dentist two miles away is selling — 1,500 active patients, 3 operatories, and $750K in annual collections. You need to move fast or lose the opportunity.
Your crown lab just raised prices 22% and you need to switch to an in-house CAD/CAM mill. The CEREC system is $150K but it cuts your per-crown cost from $180 to $40. You just don't have $150K sitting around.
Two hygienists quit the same week and you're bleeding $18K a month in lost cleaning revenue. Recruiting, signing bonuses, and temp coverage cost $28K before the new hires start producing.
We needed a $95K CBCT scanner to start offering implants. Basecamp matched us with a lender who financed the whole thing with the scanner as collateral — $0 down, funded in 5 days.
Dr. Kevin T., General Dentist, Charlotte, NC
Dental Financing
Get Your Dental Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Dental Businesses Choose Basecamp
We Know Dental Equipment Cold
CBCT scanners, CAD/CAM mills, operatory chairs — we've financed thousands of them. The device is the collateral. Zero down in most cases. Banks don't understand dental tech. We do.
Practice Acquisitions Close in Weeks
A retiring dentist's patient list won't wait 90 days for your bank. Capital stacking with revenue-based lenders closes dental acquisitions in 21-30 days — equipment financing for the operatories, working capital for transition, real estate if you're buying the building.
Section 179 Saves You Thousands
A $95K CBCT scanner at a 35% tax rate? That's $33K back year one. We help dentists finance equipment specifically to maximize Section 179 deductions.
Lab Bills and Supply Orders Covered
Crown labs, implant parts, composite materials — $8K-$15K a month in supplies that insurance won't reimburse for 60 days. A credit line bridges that gap permanently.
Bobby's Take
Bobby's Playbook for Dental
Most dental practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that insurance-reimbursement timing across PPO and fee-for-service plans plus per-procedure margin mix generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund dental practices know to read your insurance-reimbursement cycle and procedure-mix margin profile. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a dental transaction closes: practice-level cash flow (revenue minus operating expenses), DSCR on the proposed acquisition or equipment loan, and your associate-track or solo-acquisition plan. Not your personal student debt balance. Not your time in practice as an associate. Specialist dental lenders care about whether the practice's cash flow supports a $4,000-$11,000/month payment — and whether your post-close production projections back the underwriting.
The biggest mistake dental operators make: applying with the bank that holds their student loan accounts. That bank sees $320K in student debt before they see practice cash flow and underwrites against the personal liability. The fix: apply through a marketplace that includes dental-specialty lenders who use IBR (income-based repayment) figures rather than the headline student debt balance, and structure the acquisition through a revenue-based capital stack. Specialist dental lenders normalize student debt. Banks underwrite against the full balance.
owner-vs-associate income gap each year you delay practice ownership
Where this gets interesting at scale: a dentist acquiring a practice doesn't need ONE loan. They need a revenue-based term loan for the goodwill portion of the acquisition + equipment financing for the imaging and sterilization upgrades + a working capital line for the 90-day transition payroll + sometimes a SBA 504 for the building if real estate is part of the transaction. Four products, multiple lenders, one application — that's how associate dentists become practice owners without writing a $200K personal check (see /loans/business-acquisition).
The dentists who become practice owners fastest aren't the ones who waited for student loans to be lower. They're the ones who applied through dental-specialty channels that look at practice cash flow first. Every year you delay practice ownership is $200,000-$400,000 in incremental annual income (owner versus associate) you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your dental practice this week.
Bottom line:
Dentists who own practices apply through dental-specialty marketplace lenders — not the bank holding their student loans. The student loan balance dies when the lender reads IBR figures and practice cash flow first.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Dentals Face
Pricing Transparency
What Dental Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Dentals
Finance the equipment. Keep your cash. Take the deduction. Your cbct scanner costs $57,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Dental Capital Uses
What Dental Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your dental business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Dental Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Dental Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Dental Business Loan FAQs
Dental Practice Loans & Dentist Equipment Financing — $10K to $20M+
Dental is the most equipment-heavy practice in healthcare. Period. A CBCT scanner runs $95K. A full operatory build-out is $50K+. CAD/CAM system? Another $150K. And your bank wants 25% down and 8 weeks to think about it. Meanwhile, the dentist across town already has implant capabilities and is taking your patients.
Here's what I tell every dentist — finance the equipment, let it pay for itself. A $95K CBCT scanner doing implant cases generates $15K-$20K a month in new revenue. Your payment is $1,900. And Section 179 lets you write off the full $95K in year one. If you're eyeing a retiring dentist's practice with 1,500 patients? Revenue-based capital stacking closes in 21-30 days, not 3 months. Equipment financing for the operatories, term financing for goodwill, working capital for transition — one specialist coordinating. One application. 60 seconds. Soft-pull pre-qual.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Dental Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide