Funding for your situation
How funding works for a dental practice in its first months and a short file, and what to build before you apply.
✓ Checking what you qualify for does not affect your credit score.
A new dental practice owner has a short file by definition. Funders weigh time in business, deposits and credit, and the first two are still being written. Hygiene recall is booked out six weeks, and a fourth operatory is plumbed but not equipped.
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.
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.
What it looks like on the ground: hygiene recall is booked out six weeks, and a fourth operatory is plumbed but not equipped.
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.
| Item | Value |
|---|---|
| Months of business deposits so far | 3 |
| Average monthly deposits (illustrative) | $60,000 |
| A modest first request (illustrative) | $36,000 |
| Minimum FICO considered | 500 |
| Typical documents needed | 3 |
How it is read. A new dental practice file is judged on how the deposits behave and how the request sits against them. See time in business and funding with a new owner.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Business income flowing through a business account.
The single most useful thing to build.
Sized to deposits and tied to a use.
State dental board registration and insurance in place.
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 deposits and the size of the request. Merchant Fund Express gives a same-day decision on a complete file; the minimum FICO is 500.
Often a few more months of clean deposits make the same request easier and cheaper. We can tell you where the file stands today.
The seller's history helps the plan, but the review is built on your file. See funding with a new owner.
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.
