Dental Practice financing
Dental Practice Business Loans
Dental practices are equipment-heavy and often change hands through acquisitions and partner buy-ins. Financing can cover the purchase, new operatories and imaging, or consolidate older practice debt.
Start your applicationFinancing that fits
Term Loan
Suited to acquisitions and buy-ins, with payments sized to the practice's collections.
What owners finance
- Buying a practice or a partner's share
- Chairs, imaging and CAD/CAM equipment
- Adding operatories or a new location
- Remodels and technology upgrades
- Refinancing existing practice loans
What lenders look at
- Collections and production history
- Patient base and payer mix
- Your clinical experience
- Lease or real estate terms
Documents to have ready
- Business bank statements
- Practice and personal tax returns
- Production and collections reports
- Equipment quotes or the practice purchase agreement
Common questions
- How much of a practice purchase can be financed?
- It depends on the lender and the practice's cash flow. Many acquisitions are financed with a term or SBA loan plus some equity from the buyer.
- Can I finance equipment and a remodel together?
- Often, yes, as one term loan, or as an equipment loan plus a separate loan for the build-out.
- Do I need real estate as collateral?
- Not usually. Practice loans are mostly based on cash flow, though larger loans may need a personal guarantee.
Financing for your dental practice business
One application. Matched lenders. Offers you can compare side by side.