Merchant Fund Express
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Inventory Funding for Dental Practices

Stock composites, implant parts and PPE when pricing is right and backorders loom. $25,000 to $5M with a soft credit pull to start.

Stock My Practice

Dental Inventory Funding

Buy supplies on your timeline, not the distributor's

Volume pricing and supplier promotions reward practices that can buy ahead. We fund inventory based on the deposits your office already brings in.

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.

Supply funding that fits a busy practice

Fast and low paperwork

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

Flexible credit review

FICO 500+ is considered, and consistent patient and insurance deposits count for a lot.

Clear costs

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Repayment you can plan

The schedule is laid out in the offer so you can match it to how quickly the stock gets used.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Supplies are a bigger line than most people think

Composites, bonding agents, anesthetic, impression materials, burs, gloves and masks add up fast, and practices placing implants carry fixtures and components that cost real money per case. Suppliers often offer better pricing on larger orders or promotions with a deadline, and backorders on popular items can disrupt the schedule. Inventory funding for dental practices lets you buy what you need when the price and availability are right.

Smart reasons to stock up

Inventory funding vs. a line of credit

A lump sum works well for one large order or a promotion. If you reorder throughout the month, a business line of credit lets you draw for each order and repay as you go. Some practices also look at revenue-based financing so repayment follows deposits. We will lay out the options so you can match the structure to how you actually buy.

What it takes to apply

The application takes about 5 minutes and begins with a soft credit pull. We ask for roughly 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, which helps when a supplier promotion is ending.

Do the math on bulk buys

A discount is only a win if the savings outweigh the cost of funding and the stock gets used before it expires. Check expiration dates on anesthetic and materials, and compare the savings against the full repayment amount shown in your offer before you accept. Buying a sensible quantity usually beats buying the maximum.

Where funded inventory tends to pay off

Practices that see the most benefit usually buy core consumables they use every day, lock in implant components for cases already scheduled, or stock a new service line where patient demand is already visible in the chair. Speculative purchases for services you have not started offering are harder to justify.

Frequently Asked Questions

Can I use inventory funding for implant components?

Yes. Implant fixtures, abutments and related components are common inventory purchases for practices that place implants.

Is there a minimum order size?

Our funding starts at $25,000, so inventory funding fits larger orders or a combination of supply needs.

Do you pay my supplier directly?

Funds go to your business account, and you pay your distributor as you normally would.

How do you decide the amount?

Mainly on your deposits and existing obligations. Offers range from $25,000 to $5,000,000.

Do I need tax returns?

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

How do I avoid overbuying?

Start from usage, not the discount. Pull a few months of supply invoices, find your monthly burn on each item, and buy enough to cover a sensible window. Pay special attention to anything with an expiration date. Unused stock on a shelf is cash you have tied up while still making payments, which defeats the point of the bulk price.

Implant parts $35,000.00
Composites $12,000.00
PPE reserve $8,000.00
Aligner starter $20,000.00

Example uses for illustration only.

How to improve your chances

Good inventory habits make funded purchases pay off.

  • Track monthly usage for your top 20 consumables
  • Check expiration dates before buying in bulk
  • Compare promo savings to your full repayment amount
  • Keep supplier invoices organized for your records

Inventory funding vs. bank financing

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms
Documents
About 3 months of statements
Tax returns and statements
Timing
As little as 24 hours if qualified
Weeks
Credit
FICO 500+ considered
Higher scores needed
Credit pull to start
Soft pull
Hard pull common

Stock up before the next backorder

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

Apply for Funding
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