Smooth out insurance lag or fund an operatory. Compare a revolving line with a lump-sum advance. From $25,000, FICO 500+ considered.
View My OptionsDental Practice Funding
Claims timing and growth projects each have a better-suited funding tool. Here is how to choose for your practice.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft credit pull to begin so you can review options first.
The full repayment amount appears in your offer before you accept. No surprise costs after signing.
Your schedule is laid out in the offer up front so it fits around claims cycles.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A dental practice can be fully booked and still feel short on cash. Patient copays come in at the front desk, but insurance claims may take weeks to pay. Add a hygienist hire or a new CBCT unit and the timing gets tight. That is why practice owners often compare a business line of credit with a merchant cash advance.
A line of credit gives you a limit to draw on while claims are processing, then repay when payers settle. Because it refreshes, it works month after month. Common uses:
See business line of credit for dental practices.
An advance gives you the full amount up front, repaid out of future revenue. It suits investments with a defined price, such as adding an operatory, a practice refresh, or onboarding an associate. For imaging units or chairs, compare it with equipment financing for dental practices. Details on the advance itself are at merchant cash advance for dental practices.
| Need | Often a better fit |
|---|---|
| Insurance payment timing | Line of credit |
| New operatory build-out | Merchant cash advance |
| Recurring supply orders | Line of credit |
| Associate onboarding costs | Merchant cash advance |
We show you the full repayment amount and schedule in your offer before you accept, so you can weigh the numbers against your production.
Merchant Fund Express funds $25,000 to $5,000,000 for established practices with steady deposits. Apply in about 5 minutes with a soft credit pull to start. We review roughly three months of business bank statements and do not require tax returns. FICO 500+ is considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Begin your application.
Yes, reimbursements that land in your business account are part of the deposit history funders review.
For a single piece of equipment, an advance or equipment financing is usually simpler than drawing on a line. It depends on how you want to repay.
We fund established businesses with steady deposits. If the practice has a consistent deposit history, it is worth applying to see what fits.
A 5-minute application and about three months of business bank statements. No tax returns required.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few habits help a funder see your practice's real cash flow.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding