The treatment is done on Tuesday, the claim is paid weeks later, and the lab bill and payroll do not wait. A revolving line is meant for that kind of gap.
Apply Now →A dental office has income on two clocks. Patient payments at the front desk arrive the same day. Insurance payments arrive after a claim is submitted, reviewed and paid. Most offices have both, and the mix is different for each practice. The slower clock is where cash gets stuck: care is delivered and costs are paid, while part of the revenue is still a number on a claims report.
A line of credit lets the practice draw to cover costs in that gap and repay when the claims clear.
| Cost | Timing |
|---|---|
| Lab fees for crowns, dentures and appliances | Billed monthly or per case |
| Disposable supplies and materials | Ordered often; supplier terms vary |
| Hygienist and assistant payroll | Every pay period |
| Software, scheduling and imaging subscriptions | Monthly or annual |
| Rent or lease on the operatory space | Monthly |
For illustration only: a practice completes $45,000 of treatment in a month. About $20,000 is paid by patients at the time of service, and $25,000 is billed to insurers. If those insurers pay four to six weeks after the claim goes out, the practice carries $25,000 of earned revenue for much of the month, while the lab, supplies and payroll come to $30,000. A line can bridge the difference. These figures are invented to show the arithmetic, not our terms or typical results.
Before turning to funding, check how clean your claims are. Late submissions, missing information and denials that sit unworked can stretch the gap far beyond what the insurer's normal timeline would. Tightening the front-end process can shorten the wait without borrowing a dollar. A line works best as a supplement to good claims work, not a replacement for it.
It is also worth checking whether the practice's growth, such as adding a second doctor, is increasing costs faster than receipts. If so, size the line to cover the lag, not a permanent shortfall.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply, and many solo practitioners operate that way. Start here.
Ask any offer for the total repayment, how repayment is collected, and whether you pay on the amount you draw or on the full limit. Choose a size that you could repay from normal collections even if the next batch of claims is a few weeks slower than usual.
It can cover the gap between treatment and payment. Pair it with good claim submission habits so the gap does not grow.
Time to submit, rate of denials and how quickly denials are reworked. Delays here add to your cash gap.
Yes. Sole proprietors can apply, with a 5-minute application and a soft credit pull.
A one-time equipment purchase is usually better matched to equipment financing. A line suits recurring timing gaps.
Only what the immediate shortfall needs. Short draws repaid from the next collections are easier to manage.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
