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Invest in equipment, marketing, and office upgrades with predictable terms.
Dental practices carry a distinctive mix: high, predictable revenue on one side; six-figure equipment, insurance-reimbursement lag, and the occasional associate buy-in on the other. Bank practice loans exist but move slowly — our funding covers the gaps banks don't move fast enough for.
We fund general dentistry, orthodontics, oral surgery, and pediatric practices at $5,000–$10 million with decisions inside 24 business hours. Qualification is the standard bar — 3+ months operating, $10,000+ monthly revenue — which established practices clear comfortably.
Practices typically see 80%–150% of monthly collections, within $5,000 to $10 million. A practice collecting $75,000 a month generally lands in the $60,000–$112,500 band. If the need is a specific piece of equipment, secured financing against it will normally beat an unsecured advance of the same size.
For a full acquisition or real estate, a bank usually is the right tool. For equipment, marketing, or bridging reimbursements, the bank’s 60–90 day timeline is the problem — our decisions come inside 24 business hours.
No — reimbursement deposits read as revenue like any other. The lag between production and payment is precisely the cash-flow gap this funding is designed to cover.
Yes, and for big-ticket dental equipment with a vendor quote, the equipment-financing structure typically prices better than general working capital.
Probably not unsecured. Equipment financing against the asset typically prices better. Use working capital for staffing, marketing, and overhead gaps instead.
They stretch the gap between treatment and cash, which underwriting expects in dental practices. Deposits are what size the offer, so in-house plans do moderate the figure somewhat.