Funding for your situation
What a dental practice can do when advance debits are failing, how restructure options are compared, and a worked example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
The hardest part of being behind is that the debit keeps coming while revenue is the thing that slipped. Insurance year-end and the back-to-school months draw patients; late summer and holidays are softer. The first useful step is knowing the real balance and what the agreement says.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Insurance year-end and the back-to-school months draw patients; late summer and holidays are softer. For a dental practice, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: the imaging system is outdated and referring specialists want digital files.
Compliance touchpoints for a dental practice often include state dental board registration and radiation safety registration, which can come up when the request involves a new site, a purchase or a significant change.
A dental practice file is read through insurance remittance timing and receivable aging, equipment already financed and production per operatory.
What counts as default, what fees apply and what remedies the funder reserves.
A payoff letter beats a guess from the statement, especially if part of it went to a compressor replacement.
Insurance reimbursements arrive in batches, with patient-paid card revenue between them.
Restructure the payment, replace the position or add room through a defined second position.
| Item | Illustrative amount |
|---|---|
| Remaining balance on an advance taken for chair, delivery unit and light (illustrative) | $90,000 |
| Daily debit | $900 a day, or $4,500 a week |
| Missed debits so far | $2,700 (three days, illustrative) |
| Fees under the agreement (illustrative) | $3,600 |
| Weekly cash a dental practice in a slow stretch can really carry | $2,700 |
What this shows. The gap between the debit and what the account can carry is the number any restructure has to solve, and for a dental practice it moves with the year: insurance year-end and the back-to-school months draw patients; late summer and holidays are softer. Compare it with MCA refinance, MCA buyout and the MCA payoff calculator.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes, depending on the balance and how the account is behaving. Options include a MCA refinance, a buyout for balances of $100,000 or less, or a second position. Merchant Fund Express reviews the file the same day it is complete.
If the funder is escalating or has sent a legal notice, yes. This page is general information, not legal advice.
No. It changes which options fit and how the file is read. See funding after a defaulted advance.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
