Merchant Fund Express
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Revenue-Based Financing for Dental Practices

Funding sized to the patient and insurance deposits your office already brings in. Three months of statements, a soft pull, no tax returns.

Size My Funding

Revenue-Based Dental Funding

Built around recall cycles and benefit resets

Your production is steady over a year but uneven month to month. We look at real deposits to size funding that fits.

As fast as
24 hours

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.

Why practices choose revenue-based funding

Fast and light on paperwork

About three months of bank statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified businesses.

Deposits carry weight

FICO 500+ considered with a soft pull to start. Consistent revenue counts in your favor.

Full cost shown first

Your offer states the full repayment amount before you accept. No surprise costs after you sign.

Schedule spelled out

The repayment schedule is in your offer from the start, so you can plan around slower months.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Funding that follows your production

Dental revenue moves. Hygiene recall cycles, insurance benefit resets in January, summer vacations and holiday weeks all shift what lands in your account. Revenue-based financing for dental practices is sized to your actual deposits rather than to collateral or a long financial history, which makes it a natural fit for offices whose income is steady overall but uneven month to month.

How the amount is set

The amount you can access depends mainly on your monthly deposits and any obligations already coming out of the account. We review about three months of business bank statements to see that pattern. No tax returns are required, FICO 500+ is considered, and the first credit check is a soft pull.

For illustration only: a practice with consistent insurance and patient deposits and few existing obligations generally has more room than one already carrying several payments. Funding ranges from $25,000 to $5,000,000.

Specialty practices and group offices

Revenue patterns differ across dentistry. An orthodontic office may see steady monthly payment plan deposits alongside larger case starts. An oral surgery practice may have higher-ticket procedures with heavier insurance involvement. A pediatric office may lean on school breaks for its busiest weeks. A multi-location group may have one strong office balancing a newer one that is still ramping up.

Revenue-based financing works across all of these because it starts with what the deposits show, not with a one-size template. When you apply, tell us about the shape of your year: which months are strongest, which carriers make up most of your reimbursements, and whether you offer in-house membership plans or third-party patient financing. That context helps us read your statements accurately.

If you operate more than one location, let us know how the accounts are set up so we review the right statements. The goal is an offer that fits the way your practice really earns.

Where practices put the money

Comparing your options

If you would rather draw only what you need, look at a business line of credit for dental practices. For a specific asset, equipment financing may fit. Funding can arrive in as little as 24 hours for qualified businesses once you complete the application.

Frequently Asked Questions

What is revenue-based financing?

It is funding sized to your business revenue, based on the deposits that run through your bank account, rather than collateral or years of financial statements.

Do insurance reimbursements count?

Insurance deposits into your business account appear on your statements and are reviewed together with patient payments.

How much can my practice get?

It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.

Is there a credit minimum?

FICO 500+ is considered, and we start with a soft pull.

How is repayment laid out?

Your offer shows the full repayment amount and schedule before you accept, so you know what to expect.

Extra hygiene days $28,000.00
New associate $65,000.00
January supplies $19,000.00
Website refresh $12,000.00

Example uses for illustration only.

How to improve your chances

Clean deposit history helps a revenue-based review.

  • Run every patient and insurance payment through one account
  • Avoid overdrafts and negative balance days
  • Note any one-time dips so you can explain them
  • Keep three months of statements ready to send

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Based on
Your monthly deposits
Collateral and history
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Speed
As little as 24 hours if qualified
Several weeks is common
First credit check
Soft pull
Hard pull common

Fund the practice you are already running

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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