Follow Us
Fund chairs, imaging, build-outs, payroll and acquisitions from $10K to $5M without waiting on insurance reimbursements. Most approvals return the same business day.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
4.8 / 5.0 Trustpilot Verified
Dental practices need specialized financing because their two largest cost centers, capital equipment and licensed labor, are paid up front while a large share of revenue arrives 30 to 90 days later through insurance reimbursement. Few other service businesses carry that combination.
A single operator costs money before it earns any. The chair, imaging and CAD/CAM systems, sterilization equipment, build-out, and the hygienist and assistant who staff it all hit the books ahead of the first claim payment. Meanwhile rent, supplies, and lab fees run on a continuous cycle.
That timing gap produces four situations practice owners recognize immediately:
According to the Federal Reserve Banks’ Small Business Credit Survey, cash-flow management is among the most commonly cited financial challenges for employer firms, and reimbursement-driven businesses sit at the sharp end of it.
At Committed to Capital, we underwrite around how practices actually run: revenue strength and receivables quality weigh more heavily than a perfect credit score, and equipment and insurance receivables can both serve as the basis for funding.
A dental practice business loan is any small-business financing used by a dental, orthodontic or oral-health provider. It is not one product. It is a category covering term loans, lines of credit, equipment financing, SBA loans, receivables factoring, and revenue-based financing, plus merchant cash advances, which are not loans at all.
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.
A dental practice business loan starts with an application. You submit basic practice information, typically three months of business bank statements, ownership details, and the requested funding amount and purpose. Most non-SBA products do not require tax returns.
During underwriting, a lender reviews your practice revenue, time in business, credit profile, and receivables, including insurance reimbursements, to determine the available amount and terms.
Next, you receive an offer outlining the funding amount, term, payment amount, payment frequency, and total cost of capital. Ask for the cost stated as an APR or annualized percentage so you can compare offers.
Once approved, funding may arrive as a lump sum for a term loan, a revolving limit you draw against for a line of credit, a payment made directly to your equipment vendor, or an advance against submitted claims through factoring.
Repayment depends on the financing type. It may involve fixed monthly or weekly installments, interest only on drawn balances for a line of credit, or payments tied to receivables or revenue for factoring and revenue-based financing.
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 your first patient arrives, a dental practice may need financing for office build-out, dental chairs, imaging and CAD/CAM systems, sterilization equipment, technology, and initial supplies. Dental practice financing can help cover these startup and equipment costs while preserving working capital.
Dental practices face ongoing expenses such as payroll, lab fees, supplies, software subscriptions, rent, and other operating costs, often while waiting for insurance reimbursements. Business financing can help maintain steady cash flow and support day-to-day practice operations.
As a dental practice grows, financing can support new operatories, additional locations, advanced dental equipment, new service lines such as implants or orthodontics, and practice acquisitions. Access to growth capital can help you expand on your timeline without relying solely on incoming revenue.
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 practice details and three months of bank statements. A soft credit pull may be used.
Compare the funding amount, term, payment schedule, and total cost.
Accept the offer and complete the required documents. Funds may arrive the same day.
Explore additional funding or refinancing as your dental practice grows.
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.
