Quick answer: Dental practices typically use equipment financing for chairs, digital X-ray, CBCT and CAD/CAM systems, a term loan for office renovations or a second location, and a line of credit to smooth out insurance payment delays. Established practices with steady deposits can often be funded within days by a non-bank lender.
Why dental practices need financing
Modern dental equipment is expensive, and patients increasingly expect digital imaging, same-day crowns and a comfortable office. Insurance payments arrive on a delay, while staff, rent and lab bills are due every month.
Common uses for dental practice financing
- Digital X-ray, CBCT scanners and intraoral cameras
- CAD/CAM and same-day crown systems
- New operatories and dental chairs
- Office remodels and build-outs
- Adding an associate dentist or hygienist
- Marketing to grow new patient visits
Financing options for dental practices compared
| Option | Best for | Speed |
|---|---|---|
| Equipment financing | Imaging, chairs, CAD/CAM | A few days |
| Term loan | Remodels, new operatories, second office | Same day to 2 days |
| Line of credit | Insurance payment gaps, payroll, supplies | 1–3 days |
| SBA loan | Buying a practice or building | Several weeks |
What lenders look at for dental practices
Lenders focus on your monthly collections, existing equipment and loan payments, and time in business. Practices with consistent patient volume and insurance deposits are strong candidates.
What you need to qualify with Brookestone Funding
- 2+ years in business
- $30,000+ in monthly revenue
- 600+ credit score
- Recent business bank statements
Qualified dental practices can borrow $10,000 to $2,000,000 with terms up to 36 months and rates starting at 8%. Complete applications submitted early in the day can be funded the same day.
Tips before you apply
- Get equipment quotes before applying so you know the exact amount.
- Have recent bank statements showing patient and insurance deposits.
- Consider whether new equipment will add billable procedures.
- Compare offers on the total amount you’ll repay, not just the rate, and size the payment to your slowest month.
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Frequently Asked Questions
Can a dental practice get a business loan with a 600 credit score?
Yes. Brookestone Funding works with dental practices that have a 600+ credit score, 2+ years in business and $30,000+ in monthly revenue.
How fast can a dental practice get funded?
Qualified dental practices can often be funded the same day with a business term loan, or within 1–3 days with a line of credit, once the application and recent bank statements are complete.
Can I finance dental equipment and a remodel together?
Yes. A term loan can cover a remodel plus equipment in one loan, or you can use equipment financing for the equipment and a term loan for construction.
Is an SBA loan good for buying a dental practice?
SBA loans are commonly used for practice acquisitions because of their lower rates, but they take several weeks and require detailed financials.
Ready to see what your dental practice qualifies for? Brookestone Funding offers business term loans, lines of credit and SBA loans from $10,000 to $2,000,000, with same-day funding available for qualified businesses. Apply in minutes, see our business loan options, or call 212-258-0602.
