Industry Qualification
Dental Practices fall under an eligible industry classification (Offices of Dentists, Dental Laboratories). Dental offices combine insurance reimbursements, patient balances and financing-company payments, and the review reads how those streams land together.
✓ Checking what a dental practice qualifies for does not affect your credit score.
A practice deposits insurance checks and EFTs, patient copays, and third-party patient financing payouts, giving a detailed revenue record across hygiene and restorative work.
Capital needs usually center on equipment — CBCT imaging, intraoral scanners, chairs — plus operatory buildouts, practice acquisitions and marketing for implant or ortho cases.
Insurance EFTs arrive in batches, and an average balance at or above roughly 10% of monthly collections signals a healthy practice. ADB explained →
Practices owned three or more years are strongest, and recent acquisitions or start-ups with growing collections are funded regularly. Time tiers →
Lab bills and payroll drafted before insurance pays can create negative days; fewer than 3 a month keeps the file clean. Exact limits →
Existing equipment advances are reviewed with the file; balances of $100K or less can be bought out. Refinance options →
Hygiene recall keeps a steady base, while large restorative, implant and orthodontic cases add bigger, less frequent deposits. Many patients use up benefits in November and December, and deductibles reset in January.
Lab fees, supplies, hygienist and assistant payroll, and equipment payments are steady costs, and insurance can take two to six weeks to pay a claim.
In-house 3D imaging for implant and endodontic planning.
Digital impressions and same-day crowns.
Plumbing, chairs and cabinetry to add treatment rooms.
Bridging working capital when buying out a retiring dentist.
Promoting implant, clear-aligner or cosmetic services.
A two-doctor practice wants an intraoral scanner and a sixth operatory to cut the hygiene waitlist.
Its statements show about $135,000 a month in deposits and an average daily balance near $16,000 — roughly 12% of monthly revenue, above the 10% benchmark.
A request of $90,000 on a line of credit is about 67% of one month's deposits for this dental practice, which keeps the payment proportionate to what comes in.
Illustrative figures for a sample dental practice, not an offer; real amounts, terms and cost depend on the full file.
Pull recent business bank statements; insurance EFTs, patient payments and financing payouts show true collections.
The decision looks at collection consistency, years in practice and existing positions, rather than the doctor's score alone.
Amount, term and total cost appear before signing, letting you compare the payment with monthly collections.
After signature, practice funds normally arrive the next business day, in time to place the equipment order.
Yes. Insurance payments deposited to the practice account are counted; regular EFTs make collections easy to confirm.
Monthly collections set the size, inside a $10,000–$350,000 line of credit or a $10,000–$250,000 term loan.
Payouts from patient financing programs that land in the business account are part of the deposit history.
Often, yes. Statements under the new ownership, along with the practice's history, are reviewed together.
The eligibility check does not touch the dentist's credit score, and dental offices get a same-day decision.
Scanners, operatories or an acquisition — dental practices hear back the same day without any effect on credit.
