A dental practice carries equipment that costs as much as a house and a payment cycle that waits on insurance. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →Dental chairs, imaging, sterilization equipment, handpieces, compressors and software are expensive, and a modern operatory needs most of them. A dentist opening a practice, adding a chair or replacing an aging unit is making a decision measured in tens of thousands of dollars at once. A breakdown in a key machine can stop a day's schedule.
Working capital can cover that equipment without draining the cash a practice needs for ordinary weeks. It is especially useful when the purchase will increase capacity and the added patient visits will repay it over time.
Many dentists become owners by acquiring an existing practice, either from a retiring dentist or from a colleague. The purchase brings patients and a location, but the first months bring extra costs: transition, staff retention, updated equipment, signage and sometimes remodeling. Cash is thin in the early stretch even if the practice is sound.
For illustration only, not as a statement of our terms: a new owner buys a practice and plans to replace one chair and a digital imaging unit in the first quarter. That is a cluster of purchases, and it falls right when the owner is still learning the practice's patterns.
Dental practices typically bill insurance carriers for part of each visit, with the patient covering the rest. The practice has already paid the hygienist, the assistant and the lab. The carrier may pay weeks later, and denials or corrections can stretch that further. Payroll and supply costs do not wait.
A practice with a good schedule can still feel cash-poor during a slow-paying month. Working capital can cover payroll across that gap.
| Situation | How working capital can help |
|---|---|
| New location in a growing suburb | Chairs, build-out and staff before the schedule fills |
| Second operatory in an established office | Equipment and a hygienist before added revenue |
| Slow-paying carrier | Payroll and supplies during the wait |
| Acquisition | Equipment refresh and transition costs |
One more pressure is staffing. Hygienists and experienced assistants are in demand across the large Texas metros, and a practice that wants to add a day of hygiene care has to hire before the schedule fills. That is payroll arriving ahead of revenue, the same timing problem as the equipment.
Solo practitioners and sole proprietors can apply. The application takes about five minutes and uses a soft credit pull. Funding runs from $25,000 to $5,000,000, and can arrive in as little as 24 hours.
Yes. Equipment is one of the most common uses. Funding can arrive in as little as 24 hours, in amounts from $25,000 to $5,000,000.
Costs around an acquisition, such as equipment, transition and remodeling, are ordinary working-capital uses. Describe the plan on the application.
Bridging the gap between paying staff and receiving carrier payment is a typical use.
Yes. Sole proprietors can apply.
The application uses a soft credit pull.
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
