Funding for your situation
What decides whether a dental practice with an open advance can add more funding, what a review compares, and a worked example.
✓ Checking what you qualify for does not affect your credit score.
Needing more money while an advance is still debiting is the normal state of a working dental practice. Hygiene recall is booked out six weeks, and a fourth operatory is plumbed but not equipped. The open question is whether the account has room for a second position on top of the first.
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 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.
The documents that usually matter most for a dental practice are an equipment quote and patient volume or production reports, alongside the bank statements.
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.
Balance, debit and payment history, and what it financed: chair, delivery unit and light.
Insurance reimbursements arrive in batches, with patient-paid card revenue between them.
Negative days, NSFs and the average daily balance, read against insurance year-end and the back-to-school months draw patients; late summer and holidays are softer.
Second position, renewal or refinance, depending on how much has been paid down.
| Item | Illustrative amount |
|---|---|
| Position 1: taken for chair, delivery unit and light (remaining balance, illustrative) | $84,000 |
| Position 1 weekly debit | $4,500 |
| Average weekly deposits at a dental practice (illustrative) | $45,000 |
| Debit as a share of weekly deposits | about 10% |
| New need under discussion: a compressor replacement or a new operatory (illustrative) | $66,000 |
| Whether a second position fits | decided by negative days, NSFs and the average daily balance |
What a review compares. The remaining balance, the share of deposits already committed and how the account has behaved. Read negative days and NSFs and second position funding.
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.
Often, depending on position count and account behavior. Look at second position funding, renewals and MCA refinance. Merchant Fund Express reviews the file the same day it is complete.
A second position sits behind the first on the same revenue. A renewal comes after the first is substantially paid down. See first position vs second position.
Three months of business bank statements, the existing agreement or a payoff letter, and an equipment quote.
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.
