Medical & Dental Practices business loans
Medical and dental practices get equipment financing for chairs, imaging, and operatories, plus working capital for payroll and AR gaps — with healthcare-friendly underwriting.
Industry overview
Medical and dental practices are among the most bankable small businesses in America — high credentialed-professional incomes, sticky patient bases, and predictable insurance receivables. The CDC's National Center for Health Statistics counts more than 200,000 dentists and 1 million+ active physicians in the US.
But operationally, practices face two cash crunches: imaging/operatory equipment that runs $40k–$500k+ per unit, and insurance AR that ages 45–90 days. Equipment financing solves the first; lines of credit and SBA loans solve the second.
Practice acquisitions are the third common need. SBA 7(a) loans up to $5M with 10-year terms are the workhorse — standard 10% down, full doctor goodwill financed.
Common funding needs
- Imaging and operatory equipment
- Insurance AR delays
- Practice acquisitions
- Buildouts and renovations
Practices fund equipment, acquisitions, and AR gaps with SBA, equipment, and working capital financing.
Pros
- Healthcare-friendly underwriting — credentialed-professional discounts on rate
- Equipment financing up to 100% with terms up to 7 years
- SBA 7(a) up to $5M for acquisitions at 10% down
- Lines of credit smooth insurance AR gaps with low effective cost
Cons
- SBA timelines (45–75 days) don't fit urgent cash needs
- Medical equipment depreciates fast — match financing term to useful life
- Personal guarantee required on virtually all healthcare lending
Common mistakes to avoid
Buying chairs and imaging on a single short-term loan
Match each asset to a term: chairs and units (5–7 years), imaging (5 years), build-out (10–15 years on real estate, 7 years on FF&E). Mismatched terms drain cash.
Underestimating goodwill in an acquisition
Practice goodwill is real and financeable. Don't try to over-discount it; SBA underwriters know fair-market multiples and will reprice.
Skipping a practice valuation pre-LOI
Always have a third-party valuation before signing an LOI. It anchors the bank conversation and protects you from overpaying.
Real-world scenarios
$95k dental CBCT scanner
A 2-doctor practice financed a Carestream CBCT at 100% with a 60-month equipment loan, paid back from incremental implant case revenue.
$1.4M dental practice acquisition
An associate dentist bought out a retiring partner via an SBA 7(a) — $140k down, $1.26M financed, 10-year term, 11.0% rate.
Illustrative scenarios based on common deal structures. Actual terms vary by underwriting.
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Underwriting disclaimer: The eligibility checker is a self-reported pre-qualification tool. It does not constitute an offer of credit or a guarantee of approval. Every funded file goes through full underwriting — including bank statement analysis, business verification, and a credit inquiry whose type (soft or hard) is disclosed before you sign. Final terms, rates, and amounts depend on underwriting and the specific lender or program.
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Funding products
Equipment Financing
Up to 100% financing for the gear you need
- Amount
- $10,000 – $5,000,000
- Speed
- Funded in 3–7 days
SBA Loans
Government-backed loans with the lowest rates (US only)
- Amount
- $50,000 – $5,000,000
- Speed
- Funded in 30–60 days
Business Term Loan
Fixed-rate financing for major investments
- Amount
- $25,000 – $5,000,000
- Speed
- Funded in 2–7 days
Business Line of Credit
Revolving capital you can draw on demand
- Amount
- $10,000 – $1,000,000
- Speed
- Approved in 1–3 days
Top states for medical & dental practices
- Medical & Dental Practices in California4-month statements · CA
- Medical & Dental Practices in Texas3-month statements · TX
- Medical & Dental Practices in Florida3-month statements · FL
- Medical & Dental Practices in New York4-month statements · NY
- Medical & Dental Practices in Massachusetts3-month statements · MA
All states & provinces — medical & dental practices
Industry-specific medical & dental practices financing pages for every state and province we fund.
FAQs — Medical & Dental Practices
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$5,000 to $25,000,000. Free pre-qualification. No upfront fees. Same-day decisions for clean files.