Cover payroll, supplies and claim delays without a long bank process. 5-minute application, about three months of statements, no tax returns.
Get StartedDental Working Capital
Insurance pays on its schedule, not yours. Working capital helps bridge the weeks between treatment and reimbursement so the office keeps running.
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 plus about three months of statements. Funding in as little as 24 hours for qualified practices.
FICO 500+ considered. We start with a soft pull and give real weight to your collections.
Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan it against monthly collections.
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 patient sits in your chair today. The insurance company pays weeks later. In between, your practice has already paid the hygienist, the lab, the supply house and the rent. Multiply that by every patient on the schedule, and even a busy, profitable office can feel short on cash.
Working capital is a lump sum for those day-to-day operating needs. It keeps the practice running smoothly while receivables catch up.
Owners tell us they use working capital to:
For a deeper look at timing issues, our dental practice cash flow guide walks through the usual pressure points.
Fill out the 5-minute application. We begin with a soft credit pull and review about three months of business bank statements. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply.
The size of an offer depends mainly on your deposits and what is already committed to other obligations. A practice with consistent insurance and patient deposits is in the best position to move quickly.
Working capital suits a defined, one-time need. Buying a new CBCT unit or chairs? Equipment financing for dental practices ties funding to the asset. Expect recurring gaps from claim timing? A line of credit may fit. Want repayment tied to revenue? See our dental merchant cash advance page.
You would never start a treatment plan without walking the patient through the cost. Treat your funding offer the same way. It shows the full repayment amount and the payment schedule before you accept. Compare those with your collections from a typical month. If it fits, start your application.
Yes. Bridging payroll during claim delays is one of the most common reasons dental owners apply.
We focus on about three months of business bank statements, which show the payments that actually reach your account.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
Yes, we start with a soft credit pull, which does not affect your score. FICO 500+ is considered.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Yes. Some owners use it to cover salary and onboarding costs while a new associate builds a patient base. Check the repayment schedule against the months before that associate's production picks up.
Example uses for illustration only.
These practical steps can make your practice's file stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding