Funding for your situation
What a third dental practice site really takes in cash, how Merchant Fund Express reads the file, and a worked sizing example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
Adding a third dental practice location is a different project than adding a second. Management time, inventory buying and payroll all stretch. Hygiene recall is booked out six weeks, and a fourth operatory is plumbed but not equipped. The funding plan needs to cover the opening and a cushion, not just the build-out.
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What it looks like on the ground: the imaging system is outdated and referring specialists want digital files.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.
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.
| Cost item | Illustrative amount |
|---|---|
| Build-out | $180,000 |
| Operatory equipment (three rooms) | $120,000 |
| Sterilization and imaging | $40,000 |
| Practice software and IT | $15,000 |
| Cushion for overruns and slow early weeks (about 10%) | $35,500 |
| Funding need for the third site | $390,500 |
Sizing check. If the full repayment shown in an offer were $507,000 over about 26 weeks, the weekly debit would be about $19,500. Against illustrative monthly deposits of $390,000 (about $90,000 a week), that is roughly 22% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Paid to a contractor before opening, often in draws that start before any revenue.
A fixed purchase with a quote you can put in front of a funder.
A real cost of the move that is easy to leave out of the first estimate.
A real cost of the move that is easy to leave out of the first estimate.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Amounts are sized on your current deposits and existing obligations, not on the new site's projections. Merchant Fund Express reviews your last few months of business bank statements and gives a same-day decision on a complete file; funding is typically the next business day after signing. The how much can I borrow page shows what drives the number.
Funders generally want to see a lease or letter of intent, because it shows the opening is real and what occupancy will cost. If you are still negotiating, tell us; the file can often be prepared in parallel.
Not until they exist. The review is built on the deposits you have today, plus clearly documented, already-paid opening costs.
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.
