Merchant Fund Express
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Funding for a Big Contract for Dental Practices

Staff up and equip for an employer, school or group plan contract before payments start. $25,000 to $5M with a soft credit pull.

Fund the Contract

Dental Contract Funding

Take on the contract without squeezing the practice

New volume brings new hours, supplies and gear before the first payment. We fund the setup based on your practice's existing deposits.

As fast as
24 hours

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.

Built for practices taking on more

Fast and simple

Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified practices.

Credit is one piece

FICO 500+ is considered, and steady patient and insurance deposits count heavily.

No surprise costs

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Repayment laid out

Your offer spells out the repayment schedule so you can plan it against contract payment timing.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

What a big contract looks like in dentistry

Dental practices do not always think in terms of contracts, but they come up more than you might expect. A local employer wants on-site screenings for staff. A school program needs exams across several campuses. A group plan or union adds your office as a preferred provider and a wave of new patients arrives at once. Each one is good for the practice, and each one usually needs staff, supplies or equipment before the first payment arrives. Funding for a big contract for dental practices covers that setup period.

Costs that come before the payments

Matching funding to the contract

If you know the setup cost, a lump sum of working capital or a merchant cash advance covers it in one step. If payments under the contract will be uneven, a business line of credit lets you draw between payments. Revenue-based financing is an option when you prefer repayment that moves with deposits. For portable units or new chairs to handle volume, equipment financing may fit. We will lay out the choices next to each other.

How the review works

We look at your practice deposits, not the contract's projected value. Apply in about 5 minutes through our online application. We begin with a soft credit pull and ask for about three months of business bank statements, with no tax returns required. FICO 500+ is considered and sole proprietors can apply. Qualified practices can be funded in as little as 24 hours.

Protecting the practice while you deliver

Large contracts can strain a practice that is already busy. Before you accept an offer, check its full repayment amount and schedule against your existing patient revenue on its own. If the contract runs late or pays slowly, the payment should still be manageable. That keeps a good opportunity from creating pressure on the core practice.

Frequently Asked Questions

Does the contract need to be signed before I apply?

It helps to have the terms settled so you can size the request, but our review is based on your current bank deposits and obligations.

Can I fund portable equipment for off-site screenings?

Yes. Portable chairs, lights and imaging for off-site work are reasonable uses, and equipment financing may fit those purchases.

What if the contract pays on a long cycle?

Size the request to cover the realistic wait, and choose a repayment schedule your existing deposits can support without the contract income.

How much can a dental practice request?

Offers range from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Do you need to see my production reports?

No. About three months of business bank statements is the core of what we review. No tax returns required.

Can I use the funds to hire for the contract?

Yes. Adding hygiene hours or a new team member to deliver the contract is one of the most common uses.

Portable gear $28,000.00
Added hygiene hours $36,000.00
PPE and supplies $11,000.00
Intake staff $24,000.00

Example uses for illustration only.

How to improve your chances

Preparing these details makes a contract request easier to size.

  • Write down the contract start date and payment timing
  • Quote every piece of equipment you will need
  • Estimate added staff hours per week of the contract
  • Keep contract revenue in your main business account

Contract funding vs. a bank

Merchant Fund Express
Traditional bank loans
Turnaround
As little as 24 hours if qualified
Weeks of underwriting
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher minimum scores
Credit check to start
Soft pull
Hard pull common
Sole proprietors
Can apply
Often harder to approve

Get ready to deliver the new contract

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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