The Pinch Points
Why Dental Practices Come to Us for Capital
The digital build keeps the high-value dentistry in your chairs — but it’s cash out before it bills, and the PPO reimbursement runs 30–60 days behind a strong production month. Our lenders read the collections. Sound familiar?
The Lab Bill and the Two-Visit Crown
Outsourcing crowns means a lab bill on every unit and a second visit the patient may not return for. A CEREC system — scanner, mill, oven — is about $129K and turns crowns into same-day, in-house margin.
Implants You Refer Out
Without CBCT you refer the implant cases — $3,000–$5,000 each — to the specialist. A scanner is $80K–$130K, and it keeps the highest-value dentistry in your chairs.
Insurance and the Slow Pay
PPO reimbursements run 30–60 days behind, so a strong production month can still leave $40K–$80K in receivables while payroll and lab bills are due now.
The Operatory You Can’t Add
Growth means another chair — $25K–$35K per fully-equipped operatory plus the build — capacity you fund before the new provider’s schedule fills.
The Associate Buy-In or Practice Purchase
Buying a retiring dentist’s practice or bringing on a partner is a $250K–$800K move — and the kind banks bury in paperwork while the seller waits.
The Equipment Refresh
Chairs, the pano, the sterilization suite age out together, and a full operatory refresh is a $60K–$120K outlay the practice carries before it lifts a single collection.
What an operator said
“A strong month still left us floating $60K in unpaid PPO claims while lab bills came due. The line against our receivables smoothed it out — we stopped running production off the owner’s account.”
Dr. Lambert · group dental practice · Denver, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Dental Practices
Equipment Financing for the Digital Build
Equipment financing funds CEREC, CBCT, and operatory build-outs with §179 write-off ahead of the down payment.
A Line Against PPO Receivables
A working line advances against insurance receivables so production isn’t trapped behind the slow pay.
Capital to Add Operatories
Working capital funds the new chair and build so capacity is ready before the provider’s schedule fills.
Revenue-Based Practice Acquisition
Buy a practice or fund an associate buy-in on revenue-based, capital-stacked financing — on collections, not an SBA queue.
Match Your Situation
The Funding Gaps We Close for Dental Practices
Match your situation to the structure. Every one of these funds on your practice’s collections and cash flow, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks want audited books and collateral | Revenue and collections underwriting. | Equipment Financing | $75K–$5M+ | 3–7 days |
| PPO insurance pays 30–60 days out | A line advances against the receivables. | Business LOC | $75K–$5M+ | 1–5 days |
| A new operatory is cash out before it bills | Working capital funds the build. | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Dental Practice Financing Is Structured
Most dental files fund between $75K and $5M+, structured to the digital build, new operatory, or PPO receivable gap in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–7yr | CEREC, CBCT, operatory chairs | 3–7 days | Device serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Operatory build, payroll and lab bills | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | PPO-receivable timing, supply orders | 1–5 days | Unsecured line, no PG by default |
| Invoice Factoring | $75K–$5M+ | Per invoice | Aging PPO and insurer receivables | 1–2 days | Receivables secure the line |
Tax Strategy
Section 179 on the Dental Digital Build — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“A modern dental practice is a digital build — CEREC keeps the crown in-house, CBCT keeps the implant in your chair, and every operatory you add is more production. Go full-digital across a multi-op practice and you’re near $435K, the kind of number a bank wants two years of statements to talk about. Finance it with a fraction down and §179 writes off the full $435K in year one — more deduction than you put down, on equipment that bills from day one. Same-day crowns and in-house implants that produce from day one, not after the lab and the carrier.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a dental file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Dental Practice & Equipment Financing
A Digital Build That Pays From Day One
A modern dental practice keeps the high-value work in its own chairs — CEREC turns crowns into same-day margin instead of a lab bill and a second visit, and CBCT keeps the implant case in-house instead of referred to the specialist. We fund the digital build and the operatories on the practice’s collections, and a working line advances against PPO receivables so a strong production month doesn’t leave you floating payroll and lab bills behind a 30–60 day slow pay.
One Application, 70+ Lenders
Whether it’s equipment financing for CEREC and CBCT, working capital to add an operatory, or revenue-based capital to buy a retiring dentist’s practice, we connect you with 70+ lenders who fund dental practices every week. Working capital, lines of credit, equipment financing, and receivables advances — $75K to $5M+, on your revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Dental Financing — Questions, Answered
Yes — underwriting is on collections and cash flow, not the equipment as collateral.
Yes — a working line advances against PPO receivables.
A qualifying build placed in service can generally be written off the year it’s producing; your CPA models the bracket.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — practice purchases are structured revenue-based and capital-stacked on collections, not as an SBA 7(a) acquisition.
Recommended Funding
The Products That Fit Dental Work
Equipment Financing →
Finance CEREC, CBCT, and operatory chairs — §179 write-off included.
Working Capital Loans →
Fund the new operatory and cover payroll and lab bills across the slow pay.
Business Line of Credit →
Draw against PPO-receivable timing, repay as insurance pays.
Invoice Factoring →
Advance against aging PPO receivables instead of waiting 30–60 days.
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