Financing for dental practices
A dental practice is built around infrastructure that does not move: plumbing, suction, imaging and clinical finishes. We help you explore capital to grow or financing to buy the property where you practice.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Chairs, dental units and sterilization
- Digital imaging and intraoral scanners
- Adding operatories
- Hiring hygienists and assistants
- Marketing for new patients
OWN™ — buy the building where you operate
Every operatory means plumbing, central suction, compressors and shielding for imaging. That investment stays with the building: if the lease is not renewed, the practice is rebuilt from scratch and patients have to find you again. Owning the office protects both the clinical build-out and the continuity of your patient base.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and your patient base and procedure mix. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Can I buy the office I rent today?
In many cases, yes, if your practice occupies most of the property. Eligibility depends on the lender and program requirements.
Can I finance buying another practice?
Eligible business acquisitions are considered in specific industries, and dental is often one of them. We review it before the file goes out.
Does capital cover remodeling operatories?
Yes, leasehold improvements are a common GROW\u2122 use, with terms up to 10 years and no prepayment penalty.
What do lenders review?
Years in operation, cash flow, owner credit and repayment capacity, with reference guidelines including a minimum 1.25x DSCR.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
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Buying a business that already works gives you customers, staff and cash flow from day one. SBA financing can cover the acquisition and, when it applies, the building too.
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The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.
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- Accounting & tax
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Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.