Full schedule, slow insurance payments. Working capital from $25,000 helps dental practices cover payroll, supplies and equipment while collections arrive.
Check My OptionsDental Practice Cash Flow
Claims take weeks. Staff and lab bills do not wait. Funding sized to your deposits keeps the practice running smoothly through growth and slow months.
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.
Apply in about 5 minutes with roughly three months of bank statements. Qualified practices can be funded in as little as 24 hours.
FICO scores from 500 are considered. Steady collections count heavily.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
Repayment is spelled out in your offer up front, so you can plan it around payroll and lab bills.
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.
Most dental practices track production closely, but cash flow follows collections. A full schedule today turns into insurance claims that may take weeks to pay, patient balances that trickle in, and occasional denials that need rework. Meanwhile hygienists, assistants, front desk staff, lab bills and supply orders are paid on a fixed cycle.
That lag is normal, but it widens when a practice grows, adds a provider, or sees a payer slow down.
Tracking these monthly shows whether a cash squeeze is a timing issue or something structural.
Imaging systems, chairs, sterilization equipment, intraoral scanners and practice software are significant purchases. They also wear out on their own schedule. When a sterilizer or compressor fails, you may lose patient days. Many practices use equipment financing for dental practices so a major purchase does not drain operating cash.
Practices often see a rush late in the year as patients use remaining insurance benefits, then a slower start in January as deductibles reset. Summer can thin out with vacations. Knowing this pattern lets you plan staffing, supply orders and marketing around it.
A practical approach is to push recall and treatment-plan follow-ups hardest going into your slow months, and to hold off on large discretionary purchases until collections from the busy stretch have actually landed. Production booked in December does not help January payroll if the claims are still sitting with the payer.
We provide working capital for dental practices and a business line of credit from $25,000 to $5,000,000. Common uses include covering payroll while claims process, adding an operatory, or hiring an associate before their production ramps up.
We review about three months of business bank statements rather than tax returns, consider FICO scores from 500, and start with a soft credit pull. The application takes about 5 minutes, and qualified practices can be funded in as little as 24 hours.
We focus on the deposits in your business bank statements. Collected insurance payments show up there and are part of the picture.
Yes. Expansion and hiring are common uses. The amount depends mainly on your deposits and existing obligations.
For a specific piece of equipment, equipment financing is often the cleaner option. Working capital suits payroll, supplies and general timing gaps.
No. About three months of business bank statements is usually what we review.
We start with a soft credit pull, which does not affect your credit score.
Example uses for illustration only.
Practices that manage these areas usually see steadier cash and a cleaner file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding