Industries
Business Funding for Medical & Dental Practices
Chairs, imaging, acquisitions, and expansion — with payback structured to patient volume and insurance timing.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why medical and dental businesses call us
Adding operatories and a scanner
Two more chairs and a CBCT unit expand what you can bill without adding a location. Equipment financing covers the hardware; the buildout and the plumbing usually need a term loan or working capital alongside it.
Buying a retiring partner out, or a satellite practice
Practice acquisition is a large, planned number with years of cash flow behind it — a term loan's natural shape. These files take documentation and time, so start them earlier than you think you need to.
Reimbursements at 45 days, payroll every two weeks
Insurance pays on its own schedule while hygienists, associates, and lab bills don't wait. Short-term capital or a line smooths a gap that's predictable but still real.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months in practice — longer for acquisition financing
- Roughly $10,000+ per month in collections deposited to a business account
- Active license and, for most files, malpractice coverage in place
- An equipment quote or invoice for equipment financing
- Practice financials and tax returns for larger term requests
- A letter of intent or purchase agreement for an acquisition
How Lenders Read It
Insurance-heavy practices have delayed but unusually predictable cash flow, and that predictability generally helps underwriting rather than hurting it. Provider credentialing status and payer mix come up more often than most practice owners expect — have both ready.
See the full processFAQ
Questions from medical and dental owners
I'm an associate buying in, or opening de novo. Does that work?
Buy-ins and startup practices are a different underwriting exercise than an established practice, and they lean much more on personal credit, professional history, and a business plan. Some lenders do them; expect a longer process than an equipment file.
Does my personal credit matter for practice financing?
More here than in most industries, especially for acquisitions and larger term loans. Practice lending sits closer to conventional underwriting, and owner credit is a real factor in both approval and pricing.
Can I finance the equipment and the buildout together?
Sometimes in one facility, sometimes as two. Equipment financing covers the hardware cleanly; construction, plumbing, and cabinetry are soft costs that typically need a term loan or working capital. Your advisor will structure it as one plan either way.
More questions? Read the full FAQ
Funding for your medical and dental business.
One application, real offers to compare, and no fee unless your business is funded.