Keep your practice running and growing with fast, flexible financing, fund chairs, equipment, build-outs, payroll, and expansion without straining your cash flow.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
4.8 / 5.0 Trustpilot Verified
Running a dental practice is one of the most equipment-intensive, capital-heavy businesses in healthcare. Unlike most service businesses, dental offices carry significant upfront and recurring costs that never pause: operatory chairs, imaging and CAD/CAM systems, sterilization equipment, build-outs, licensed staff payroll, supplies, lab fees, and rent all hit the books well before payment arrives, while insurance reimbursements and patient payment plans often take 30 to 90 days to be paid.
That timing gap creates a challenge every practice owner understands:
Dental practice business loans solve the cash flow gap that sits between providing care and collecting payment. At Committed to Capital, we specialize in financing solutions designed around how dental practices actually operate: fast approvals, flexible use of funds, and underwriting that values revenue strength over credit perfection.
A dental practice business loan is any form of small business financing used by a dental, orthodontic, or oral health provider. It’s not a single product, it’s a category of funding options that includes Term Loans, Lines of Credit, Equipment Financing, SBA Loans, Receivables Factoring, and Revenue-based advances.
The right dental practice loan depends on three things:
Because practices tie up capital in expensive equipment and build-outs while waiting on insurance reimbursements and patient payment plans, most dentists don’t rely on a single financing product, they use a stack of solutions that match different needs at different points in the practice cycle. We’ll help you figure out the right mix.
Dental practice business loans provide capital to cover the unique costs of running a dental office, equipment, technology, build-outs, labor, supplies, and the gap between providing care and collecting payment. Here’s how they typically work:
A lender reviews your revenue, time in business, credit profile, and receivables (including insurance reimbursements) to determine loan size and terms. Once approved, funds are disbursed as a lump sum (term loan), a revolving credit line you draw from as needed, equipment financing tied directly to the chairs or imaging equipment you’re purchasing, or receivables factoring against your unpaid insurance claims. You repay through fixed monthly installments, periodic draws, or as your receivables are collected, with interest calculated only on the amount used.
Practice owners often use these loans to purchase or upgrade dental equipment, finance office build-outs, add new service lines, bridge cash flow during reimbursement delays, or acquire additional practices. The right loan structure depends on whether your need is one-time, ongoing, or asset-specific.
The right financing option depends on what your Dental Practice needs the money for and how quickly you need access to capital. Here’s a side-by-side comparison of every funding product we offer Dental Providers & Practices.
The right financing depends on where you are in the practice lifecycle.
Before you see your first patient, capital is already committed. Office lease or purchase, build-out, operational setup, chairs, imaging and CAD/CAM systems, sterilization equipment, and initial supplies all need funding well ahead of revenue. A term loan or equipment financing puts that capital in place so you can equip the practice properly, open a new office, or buy into a practice without straining your reserves.
Day-to-day care doesn’t pause between reimbursements. Payroll for hygienists, assistants, and front-office staff, supply and lab reorders, technology subscriptions, and rent all run on a continuous cycle, often while you’re still waiting on insurance reimbursements. A business line of credit gives you revolving access to working capital, so you can keep serving patients and only pay interest on what you actually draw.
As patient volume grows, so do the opportunities, but expansion takes capital before it pays off. Whether it’s adding operatories, launching a new service line like implants or orthodontics, upgrading to advanced equipment, opening a second location, or acquiring another practice, growth financing lets you invest on your timeline instead of letting reimbursement cycles dictate how fast you can move.
Anything that keeps your practice running or growing. The most common uses we fund:
A short-term loan delivers a lump sum quickly, usually within 24-48 hours, and is repaid over 3 to 24 months through automated payments. It’s the most common solution when a practice needs to cover an urgent equipment repair, replenish supplies, or bridge an unexpected expense.
Best for: Supply replenishment, emergency equipment repairs, bridging short payment gaps, seasonal patient-volume swings.
Long-term loans provide larger amounts (up to $2M) with extended repayment over 2 to 10 years. The longer term means lower monthly payments, making this ideal for significant capital projects that pay off over time.
Best for: Office build-outs, practice acquisitions, real estate purchases, new service lines, refinancing high-cost debt.
Business Line of Credit gives you a pre-approved credit limit you can draw against as needed, and you only pay interest on what you use. Once you repay, the credit becomes available again. It’s the most flexible financing product available and works as a safety net for the cash flow swings that reimbursement timing creates.
Best for: Supply purchases, payroll smoothing, covering lab and vendor invoices, recurring operating costs.
Equipment Financing lets you purchase or lease the operating chairs, imaging and CAD/CAM systems, sterilization equipment, lasers, and technology your practice depends on, without tying up working capital. The equipment itself acts as collateral, which means easier approvals and competitive rates even for businesses with average credit.
Best for: Buying or upgrading chairs and imaging equipment, adding a new service line, modernizing technology, equipping a new location.
SBA Loans (especially the SBA 7(a) and SBA 504) offer some of the lowest rates and longest terms available, backed partially by the U.S. Small Business Administration. The trade-off: they take longer to approve (30-90 days) and require strong documentation and credit.
Best for: Established practices buying real estate, acquiring another practice, refinancing high-cost debt, or making major capital investments. The SBA 504 program is specifically designed for fixed assets like commercial property and heavy equipment.
Insurance payers routinely reimburse on net-30, net-60, or net-90 timelines, but you don’t have to wait to get paid. Receivables Invoice Factoring advances you up to 90% of your unpaid claim value within 24 hours, and the factoring company collects payment from the payer.
Best for: Practices with a high volume of insurance claims that pay slowly. Especially powerful when reimbursement delays strain working capital.
Revenue-Based Financing provides fast capital in exchange for a fixed percentage of future revenue. There’s no fixed term, you repay as you collect. Approval is fast and credit requirements are lenient, making this a realistic option for practices with poor credit or short time in business.
Best for: Speed-critical situations, practices that can’t qualify for traditional loans, owners with strong revenue but weak credit.
Buy, replace, or upgrade chairs, imaging, CAD/CAM, and sterilization equipment without draining working capital.
Fund new offices, operational additions, and renovations to expand capacity and services.
Support payroll, hiring, and training for hygienists, assistants, and front-office staff.
Cover upfront costs for dental supplies and lab fees, and capture volume discounts.
Acquire another practice, buy into a partnership, or expand your footprint into new markets.
Turn unpaid insurance claims into working capital while waiting to get paid.
Launch implants, orthodontics, cosmetic, or other services that grow revenue per patient.
Invest in practice management, digital imaging, scheduling, and patient communication systems.
We work with dental providers across every specialty:
Don’t see your specialty? We’ve likely funded it. Talk to a specialist.
Banks may offer lower rates on paper, but their approval process is built for businesses that don’t actually need the money. Here’s how we compare:
Qualification varies by product, but here’s what most of our dental practice clients need to qualify:
What Dental Practice Owners Are Saying About Us
A guided process that respects your time. No faxing, no surprise documentation requests.
Share basic information about your practice. No long forms or heavy paperwork.
We quickly review your information and deliver clear funding options, often within hours.
Once approved, funds are deposited into your account the same day.
As your practice grows, additional funding and refinancing options are available when you need them.
A dental practice business loan is financing used by dental and oral health providers to cover costs like equipment, build-outs, payroll, acquisitions, and bridging insurance receivables. It’s a category that includes term loans, lines of credit, equipment financing, SBA loans, receivables factoring, and merchant cash advances, each suited to different needs and timelines.
Many of our clients are funded in as little as 24 hours. Short-term loans, lines of credit, and merchant cash advances can fund same-day or within 48 hours, while SBA loans take longer (30-90 days) due to documentation requirements.
We offer financing from $10K to $5M, depending on your revenue, time in business, and the product you choose. Equipment financing and SBA loans support the largest amounts, while short-term loans and lines of credit are ideal for smaller, faster needs.
Yes. Equipment financing is built exactly for this. You can purchase or lease operating chairs, imaging and CAD/CAM systems, sterilization equipment, and lasers with the equipment itself acting as collateral, which means easier approvals and competitive rates even with average credit.
Yes. Many of our products accept FICO scores as low as 500. We weigh your revenue, receivables, and overall financial strength more heavily than credit alone. Merchant cash advances and revenue-based financing are designed specifically for owners with weak credit or short time in business.
Absolutely. Long-term loans and SBA loans are built for practice acquisitions, build-outs, and real estate, while equipment financing covers the chairs and technology each new operator needs. Most of our products let you use funds flexibly across equipment, facilities, and operations.
Whether you need to upgrade equipment, build out a new office, add operatories or a service line, bridge slow insurance reimbursements, or acquire another practice, Committed to Capital has dental practice financing solutions built for how your practice actually operates.
