Avance Credit
Dental Practice Loans
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Multiple Loan Types To Choose From
Fast & Easy Application
Millions To Lend
HOW IT WORKS
Dental Practice Loan Application Process
Applying for SBA financing is often easier when working with experienced lenders.
01
Complete an Online Application
Submit basic business and ownership information.
02
Review Financing Options
Lenders may request financial statements, tax returns, and business records.
03
Funding
Once approved, funds can be used for eligible business purposes.
Dental Practice Financing for Dentists, Specialists, and Office Owners
Get Connected Dental Financing for Small Businesses
Dental practice loans help dentists get the capital needed to start, buy, expand, renovate, or refinance a dental office.
Whether you need equipment financing, working capital, acquisition funding, or a business line of credit, the right dental practice loan can help you grow your office without draining cash flow.
At Avance Credit, we connect dental professionals with lenders offering competitive business loan options. There is no application fee, and you can apply online 24/7.
What Are Dental Practice Loans?
Dental practice loans are business financing options designed for dentists and dental office owners. These loans may be used for:
- Buying an existing dental practice
- Starting a new dental office
- Expanding to a second location
- Purchasing dental equipment
- Remodeling operatories
- Hiring staff
- Covering payroll and supplies
- Refinancing business debt
- Buying dental office real estate
- Adding new technology or software
Dental Practice Financing Options
SBA Loans for Dental Practices
SBA loans are popular for dentists because they may offer larger loan amounts, longer repayment terms, and competitive rates. SBA financing can be used for practice acquisitions, commercial real estate, equipment, working capital, and expansion.
Dental Equipment Financing
Dental equipment financing can help you purchase chairs, X-ray machines, imaging systems, sterilization equipment, CAD/CAM technology, lab equipment, computers, and practice management software.
Dental Practice Acquisition Loans
If you are buying an existing dental office, acquisition financing can help cover the purchase price, goodwill, equipment, patient records, transition costs, and working capital.
Working Capital Loans
Working capital loans can help cover daily operating expenses such as payroll, rent, insurance, supplies, lab fees, marketing, and utilities.
Business Line of Credit
A dental practice line of credit gives your office access to flexible funds when expenses come up. You can use it for supplies, slow insurance reimbursements, emergency repairs, or short-term cash flow needs.
Who Qualifies for Dental Practice Loans?
Requirements vary by lender, but dental loan lenders commonly review:
- Personal credit score
- Practice revenue
- Time in business
- Cash flow
- Business bank statements
- Dental license or professional background
- Existing debt
- Loan purpose
- Collateral, when required
Startups, established offices, solo dentists, dental groups, and borrowers with less-than-perfect credit may still have financing options.
How Dental Practice Loans Work
1. Apply Online
Complete a quick online application with basic information about your dental practice and funding needs.
2. Compare Loan Options
You may be matched with lenders offering SBA loans, term loans, equipment financing, acquisition loans, or a business line of credit.
3. Get Funded
Once approved, funds can be used to buy, grow, improve, or stabilize your dental practice.
Benefits of Dental Practice Financing
Dental practice loans can help you:
- Preserve cash flow
- Upgrade outdated equipment
- Increase patient capacity
- Improve patient experience
- Add new services
- Hire more staff
- Expand into new markets
- Refinance higher-interest debt
- Purchase a profitable practice
- Build long-term practice value
Dental Practice Loan Requirements
While every lender is different, common documents may include:
- Business bank statements
- Tax returns
- Profit and loss statement
- Balance sheet
- Driver’s license
- Dental license
- Practice purchase agreement, if buying a practice
- Equipment quote, if financing equipment
- Lease or real estate documents, if applicable
Apply for a Dental Practice Loan Today
Your dental practice deserves financing built around your goals.
Whether you are starting a new office, buying a dental practice, upgrading equipment, renovating operatories, or refinancing business debt, Avance Credit can help you explore your options.
Apply online today and get connected with dental practice loan options for your business.
TestimonialS
Fastest Way To Get Cash For your Business
"They process was easy and I got the funding I needed to expand my business."
Kevin S.
Business Owner
"I wanted to start a business and the SBA Loan was a great fit for me."
Jennifer L.
Business Startup
"I needed a business line of credit to keep moving my business forward."
Martha Y.
Business Owner
Frequently Asked Questions
How much can I borrow with a dental practice loan?
Loan amounts vary depending on the lender, your revenue, credit profile, and loan purpose. Some dentists qualify for $25,000 working capital loans, while practice acquisition and SBA loans can exceed $5 million.
What credit score do I need for a dental practice loan?
Many lenders prefer a credit score of 650 or higher, but some financing programs may approve borrowers with lower scores if the practice has strong cash flow and revenue.
Can I get financing to buy an existing dental practice?
Yes. Dental practice acquisition loans are specifically designed to help dentists purchase existing practices, including equipment, patient records, goodwill, and working capital.
Can I get a loan to start a new dental practice?
Yes. Startup dental practice loans can help cover build-out costs, equipment purchases, leasehold improvements, marketing, staffing, and operating expenses.
What can a dental practice loan be used for?
Common uses include:
- Purchasing a dental practice
- Equipment financing
- Office renovations
- Working capital
- Payroll expenses
- Commercial real estate purchases
- Practice expansion
- Debt refinancing
- Technology upgrades
How quickly can I receive funding?
Funding speed depends on the loan type:
- Business lines of credit: Often within days
- Equipment financing: Often within a few days
- Term loans: Typically a few days to a few weeks
- SBA loans: Several weeks to a few months
Do dental practice loans require collateral?
Not always. Some loans are unsecured, while larger loans may require collateral such as equipment, business assets, or commercial real estate.
What documents do I need to apply?
Most lenders request:
- Driver's license
- Business bank statements
- Tax returns
- Profit and loss statement
- Balance sheet
- Dental license
- Business debt information
Can I finance dental equipment?
Yes. Equipment financing is one of the most common forms of dental practice financing and can be used for:
- Dental chairs
- Digital X-ray systems
- CBCT scanners
- CAD/CAM equipment
- Sterilization systems
- Computers and software
Are SBA loans available for dentists?
Yes. SBA 7(a) loans and SBA 504 loans are frequently used by dental professionals for acquisitions, expansions, equipment purchases, and commercial real estate.
Can I get a dental practice loan with bad credit?
Possibly. Some lenders consider factors beyond credit scores, including business revenue, profitability, cash flow, and industry experience.
How much revenue does my dental practice need to qualify?
Requirements vary by lender. Many lenders review monthly and annual revenue along with cash flow to determine eligibility and loan size.
Can I refinance existing dental practice debt?
Yes. Debt refinancing may help lower monthly payments, improve cash flow, consolidate multiple loans, or secure better loan terms.
What are the interest rates on dental practice loans?
Rates vary based on:
- Credit score
- Revenue
- Time in business
- Loan type
- Collateral
- Current market conditions
The strongest borrowers generally receive the most competitive rates.
Is a business line of credit better than a loan?
It depends on your needs.
A business line of credit works well for ongoing expenses and cash flow management, while a term loan is often better for major purchases, acquisitions, renovations, or expansion projects.
Why Choose Avance Credit?
For more than 10 years, Avance Credit has helped business owners connect with financing solutions designed to meet their unique needs.
Benefits of Working With Avance Credit
- No application fee
- Online application available 24/7
- Access to multiple lending options
- SBA financing programs available
- Business acquisition financing
- Equipment financing solutions
- Business line of credit options
- Refinancing programs available
- Fast and secure application process
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