Working Capital for Dental Practices
Established dental practices use working capital for three things: smoothing payroll through insurance-AR cycles, funding marketing pushes that pay back over 12–24 months, and covering one-time expenses (CE, payor renegotiation legal, equipment refresh) that don't justify a 10-year term loan. We match against specialty programs that price working capital tighter than MCAs or generalist lenders.
No hard credit pull to start. · Takes about 2 minutes.
How this product is shaped.
- Term: 12–60 months. Short enough to retire the debt before the next investment cycle; long enough to keep payments manageable.
- $50K–$500K typical. Working-capital sub-loans inside acquisition or expansion files routinely include this range; standalone WC for established practices runs similar.
Why not MCA?
Merchant cash advances against patient-payment volume look fast but cost 1.3–1.5x the funded amount and require daily debits. For a dental practice they're the wrong instrument: cash flow is monthly (insurance EFTs, payment-plan ACHs), not daily. A 24-month working-capital term loan from a specialty lender will typically cost a fraction of an MCA over the same funded amount.
Frequently asked.
- How fast can I get working capital?
- For an established practice with clean financials, 5–10 business days to term sheet, 10–15 to funded.
See your match.
Soft-pull first. One hard pull only with the lender you choose.