Industry Financing
Dental Practice Loans
Practice acquisition, equipment financing, and expansion capital for general dentists, orthodontists, oral surgeons, and dental specialists.
Check Your Eligibility →Funding Amount
$50K – $5M
Typical Terms
5–25 years
Rates Starting At
5.25%
What We Finance
Dental practices are among the highest-qualifying borrowers in small business lending. High cash-pay revenue, predictable insurance reimbursements, and strong SBA eligibility make dental one of the best-served verticals in commercial finance.
- •Practice acquisition: buy an existing dental practice outright
- •SBA 7(a) and 504 for practice real estate ownership
- •Dental equipment: CBCT, digital X-ray, CAD/CAM, chair packages
- •Leasehold improvement and buildout financing
- •Startup practice loans for newly licensed dentists
- •Multi-location expansion capital
Business Types We Work With
- ✓General dentistry
- ✓Pediatric dentistry
- ✓Orthodontics and clear aligner practices
- ✓Oral surgery and maxillofacial
- ✓Periodontics and implantology
- ✓Endodontics
- ✓DSO (Dental Service Organization) affiliated practices
Why Lenders Approve This Industry
Dental practices have industry-leading default rates on SBA loans. High cash-pay percentages, insurance reimbursement predictability, and licensing barriers to entry make dental one of the safest lending verticals.
Typical Qualification Requirements
- ✓Active dental license (DDS or DMD)
- ✓1+ year in practice (startup programs for licensed dentists)
- ✓660+ personal credit score
- ✓For practice acquisition: proof of buyer qualifications and practice financials
- ✓Clean licensing and malpractice history
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.