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.
Best products for medical & dental practices
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.
Lead-gen pre-check
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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.
Business funding in as little as 24 hours
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Free to apply. No upfront fees. Available to qualified applicants with a complete file; timing varies by funding provider.
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 competitive rates and long terms (US only)
- Amount
- $50,000 – $10,000,000 (7(a) + 504 combined)
- 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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Get funded in as little as 24 hours
$5,000 to $25,000,000. Free pre-qualification. No upfront fees. Same-day decisions for clean files.