Merchant Fund Express
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Emergency Funding for Dental Practices

Respond to a flood, a failed utility room or a payment freeze without cancelling a week of patients. Funding in as little as 24 hours if qualified.

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Dental Emergency Funding

Fix the problem and keep patients on the schedule

Rescheduled patients mean lost production every day. We review your recent deposits quickly so an emergency stays a short disruption.

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.

Emergency support for dental offices

Speed with minimal paperwork

A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified practices.

Credit in context

FICO 500+ is considered. Your deposit history matters as much as the score.

Full cost before you commit

The offer shows the full repayment amount before you accept. No surprise costs are added after you sign.

A clear schedule

Repayment is laid out in the offer, so you know what to plan for once the office is back to normal.

Need capital this week?

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.

When the schedule is full and the office cannot run

A dental practice depends on a lot of systems working at once: air, suction, water lines, sterilization, imaging, software and people. When one fails without warning, patients get rescheduled and production disappears. Other emergencies are financial, like a carrier freezing payments during an audit or a key associate leaving with little notice. Emergency funding for dental practices gives you cash to respond while the rest of the practice keeps running.

Common practice emergencies

  1. Water or flood damage to operatories or the sterilization area
  2. Utility room failures like the compressor or vacuum system
  3. Claims disruptions where a carrier holds payments for review
  4. Sudden staffing gaps that require temp hygienists at higher cost
  5. Software or server failure that needs fast replacement

For purely mechanical breakdowns, see equipment repair funding for dental practices.

What to do in the first day

Stabilize first: protect patients and staff, shut off what needs to be shut off, and notify your insurer if there is property damage. Then get a written estimate for the fix. With an estimate and your last three months of bank statements, you can complete our 5-minute application. We start with a soft credit pull, no tax returns are required, and qualified practices can be funded in as little as 24 hours.

How we look at an urgent request

We review your deposit history and existing obligations, the same way we would for any request. FICO 500+ is considered, and credit is weighed alongside deposits rather than on its own. Sole proprietors can apply. If you want to understand the factors before you apply, our dental practice qualification page walks through them.

Borrow for the emergency, not the panic

Request what the fix costs and a sensible cushion for the days the office is slowed down. If an insurance payout is coming, account for that so you do not overborrow. Your offer shows the full repayment amount and schedule before you accept, so you can confirm it fits once the practice is back to a normal day.

Frequently Asked Questions

How fast can I get emergency funding?

Qualified practices can be funded in as little as 24 hours. Having bank statements and a repair estimate ready keeps things moving.

Can I apply if the office is closed for repairs?

Yes. We review your recent deposit history, which reflects how the practice normally operates.

What if a carrier is holding my payments?

Funding can bridge the gap while the review resolves. Size the request to cover realistic timing rather than a best-case release date.

Does emergency funding affect my credit?

We start with a soft credit pull, which does not affect your score.

Is there a minimum amount?

Funding starts at $25,000. For smaller needs, a line of credit or operating cash may be a better fit.

I already have financing. Can I still apply?

Yes, but tell us about it. Existing obligations affect the amount we can offer, and the new payment needs to fit alongside what you already carry.

Flood repair $55,000.00
Vacuum system $27,000.00
Temp hygienists $18,500.00
Server replacement $14,000.00

Example uses for illustration only.

How to improve your chances

Practices that prepare ahead respond faster when emergencies hit.

  • Keep three months of statements saved and ready
  • Know your property and business interruption coverage
  • Keep a list of service vendors and temp agencies
  • Request the fix plus a modest cushion, not the maximum

Emergency funding vs. bank borrowing

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks in most cases
Application
About 5 minutes
Long paperwork
Tax returns
Not required
Usually required
Initial credit check
Soft pull
Hard pull common
Credit
FICO 500+ considered
Stricter cutoffs

Get your practice back on schedule

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

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