A lower score does not erase a busy schedule. FICO 500+ considered, a soft pull to start, and a review built around your practice deposits.
See My OptionsDental Funding, Credit Flexible
Dental school debt and a tough year can drag down a score. We look at the patient and insurance deposits your practice brings in.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
We start with a soft pull, then weigh deposit consistency and existing obligations next to your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so there are no guessing games.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of dentists carry a lower credit score than their practice deserves. Student debt from dental school, a buildout that ran over, a partner split or a rough patch during a slow year can all drag a personal score down while the practice itself keeps producing. Bad credit business loans for dental practices start from that reality.
We consider FICO 500+ and begin with a soft credit pull. Then we look hard at what your business bank statements show.
Credit is one input. Funders also look at how consistent your patient and insurance deposits are, how many negative balance days show up, and what existing obligations already come out of the account. A practice with steady deposits and clean statements gives a reviewer more to work with, even when the score is lower.
No single factor decides the outcome, and we will not pretend otherwise.
When a dental practice with a lower credit score applies, we read the bank statements closely. Reviewers tend to focus on a few things: whether patient and insurance deposits arrive on a regular rhythm, how often the account dips below zero, whether existing loan or advance payments are already taking a large bite of monthly cash, and whether business and personal spending are mixed together.
None of these factors is judged on its own. A practice with a lower score and very consistent deposits reads differently than one with a similar score and erratic cash flow. Likewise, a recent dip in deposits during a renovation or a provider's leave can be explained when you apply, so tell us about it.
We also want you to borrow an amount your practice can carry comfortably. If your statements suggest a smaller amount makes more sense right now, we will say so. Funding that strains your cash flow does not help the practice or your credit over time.
Funding runs from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
Read how dental practices qualify for a fuller picture, or check our dental cash flow guide. When you are ready, the 5-minute application gets things started. No tax returns required, and sole proprietors can apply.
FICO 500+ is considered. Your score is weighed alongside your deposits and existing obligations.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Funders look at your full picture. Steady practice deposits and clean statements are a big part of the review.
No. About three months of business bank statements are what we review.
Your offer shows the full repayment amount and schedule before you accept.
Example uses for illustration only.
These honest steps can strengthen how your file reads.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding