A lump sum for your practice, repaid from the patient and insurance revenue you already collect. 5-minute application and no tax returns required.
Check My OfferDental Merchant Cash Advance
Insurance reimbursements lag, treatment plans get split, and payroll still runs on schedule. An advance helps you keep the practice moving.
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.
Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified practices.
FICO 500+ considered. We start with a soft pull and look closely at your patient and insurance deposits.
Your offer shows the total repayment amount before you accept. No surprise costs are added after you sign.
The schedule is laid out in your offer from the start, so you can plan around claim timing and recall months.
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.
On paper, a dental office looks like an easy loan. In practice, cash flow is lumpy. Insurance claims can take weeks to pay. Patients split large treatment plans across several visits. A slow month for hygiene recall can follow a strong month of crowns and implants. Meanwhile, payroll for hygienists and assistants, lab bills and supply orders go out on schedule.
A merchant cash advance gives the practice a lump sum now, repaid from future revenue, so you can act without waiting on a bank's timeline.
We look at about three months of business bank statements to understand what flows into the practice: patient card payments, insurance reimbursements and financing company deposits. The advance is sized mainly from those deposits and from obligations you already carry. Repayment comes from the revenue the practice collects, and the exact schedule appears in your offer before you accept.
Run the offer through the same lens you use for a large purchase. What is the full repayment amount? What does each payment look like on the schedule? Will that payment still feel comfortable in a month when two hygienists are on vacation and recall is light? If any answer makes you uneasy, ask about a smaller amount. A smaller advance that fits your collections beats a bigger one that strains them.
The application takes about 5 minutes. We start with a soft credit pull, FICO 500+ is considered, and no tax returns are required. Sole proprietors can apply. We work with established practices that show steady deposits.
If you would rather draw funds over time, compare a business line of credit for dental practices, or read our line of credit vs. merchant cash advance breakdown. When you are ready, apply online.
Yes, deposits that land in your business bank account, including insurance payments, are part of the history we review.
We work with established practices that have steady deposits. If you recently bought a practice, the deposit history in its business account is what we review.
Funding can arrive in as little as 24 hours for qualified businesses.
No tax returns are required. We start with the 5-minute application and about three months of bank statements.
FICO 500+ is considered, and the process begins with a soft credit pull.
Funding ranges from $25,000 to $5,000,000 and depends mainly on deposits and existing obligations.
Example uses for illustration only.
A few simple steps make a dental practice file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding