Funding for your situation
How a dental practice with several advances can see the combined debit, what restructure options exist and what they change, with a worked example.
✓ Checking what you qualify for does not affect your credit score.
Stacking usually happens one reasonable decision at a time. Hygiene recall is booked out six weeks, and a fourth operatory is plumbed but not equipped. Each new advance solved the last problem, and together they leave very little of each day's deposits.
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.
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.
Insurance reimbursements arrive in batches, with patient-paid card revenue between them. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a compressor replacement or a x-ray sensor can run $6,800 to $7,200 and interrupt revenue while it is down.
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.
| Item | Illustrative amount |
|---|---|
| Advance A, taken for chair, delivery unit and light (weekly debit, illustrative) | $5,500 |
| Advance B, taken for a compressor replacement (weekly debit, illustrative) | $4,000 |
| Advance C, taken for assistant hire and training (weekly debit, illustrative) | $3,000 |
| Combined weekly debit | $12,500 |
| Average weekly deposits at a dental practice (illustrative) | $41,500 |
| Combined debit as a share of weekly deposits | about 30% |
How this is read. A funder looks at the combined debit, the negative days and the average daily balance. For a dental practice, insurance year-end and the back-to-school months draw patients; late summer and holidays are softer. Replacing several positions with one payment is what a MCA buyout or MCA refinance is built to do, when the balances and the file allow it.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Balance, debit size and payment history for each, including what each was taken for: chair, delivery unit and light, a compressor replacement or cash flow.
The single number that matters most.
Insurance reimbursements arrive in batches, with patient-paid card revenue between them.
The payment shape and term, not the amount owed.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes. A MCA buyout for positions with balances of $100,000 or less, a refinance or reverse consolidation may fit, depending on the file. Merchant Fund Express will say plainly which apply.
No. It changes the payment shape and term. Always compare the new total with what is left on the old positions.
There is no single number. It depends on the combined debit and how the account behaves. See existing positions and stacking.
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.
