Dental Practice Financing
Upgrade your equipment, manage cash flow, or expand your office with financing matched to your practice’s goals and qualifications.
Financing for operating practices. Eligibility, amounts, terms, and timing vary by program and lender.
More Capacity.
Room to Grow.
Dental chairs, imaging systems, and digital scanners.
Payroll, supplies, and collection timing gaps.
Additional operatories, renovations, or a second office.
Choose the Right Financing
Start with how you plan to use the funds. GoKapital helps you explore available programs through its lender network.
Working Capital
Cover payroll, supplies, and operating expenses while patient and insurance payments come in.
Explore Lines of Credit →Equipment Financing
Explore financing for new or used dental equipment. Approval depends on the equipment and your practice’s financial profile.
Explore Equipment Financing →Practice Expansion
Consider term loans or SBA financing for eligible renovations, expansion, or practice acquisitions.
Explore SBA Loans →Invest in Your Practice’s Next Step
Modernize Patient Care
Replace aging equipment, add digital imaging, or upgrade practice management software.
Add Treatment Capacity
Build out an operatory, renovate your office, or evaluate financing for another location.
Strengthen Your Team
Support hiring, training, and payroll as patient volume grows.
Manage Collection Gaps
Maintain working capital while insurance reimbursements and patient balances are collected.
Know What You Need to Qualify
Requirements depend on the financing program. These starting criteria apply to select revenue-based funding options, rather than every dental loan.
Operating History
An active practice with verifiable business revenue.
Credit Score
A starting threshold for select revenue-based options. Other programs may require stronger credit.
Business Banking
Prepare your four most recent business bank statements for an initial review.
Revenue thresholds and additional documents vary. Equipment, SBA, and acquisition requests may require financial statements, tax returns, an equipment quote, or transaction details. Meeting initial criteria does not guarantee approval.
A Clear Path to Funding
Share Your Goal
Tell us the amount requested, intended use, and basic practice information.
Review Your Options
Submit the requested documents. Compare eligible offers by total cost, payment frequency, term, and any collateral requirements.
Finalize and Fund
Choose an offer and complete the lender’s closing requirements. Funding timing depends on the program and completed documentation.
Dental Financing Questions
Can I finance new or used dental equipment?
Both may be eligible. The lender will review the equipment type, condition, vendor quote, and your practice’s qualifications.
Can financing cover a practice acquisition?
Some programs may support eligible acquisitions. Expect a review of the buyer’s qualifications, the target practice’s financials, and the proposed transaction.
Can I apply with less-than-perfect credit?
Select revenue-based programs may consider lower credit scores alongside revenue and banking activity. Credit requirements differ by lender, and approval is not guaranteed.
How quickly can my practice receive funds?
Timing varies by product, underwriting, and document completeness. Equipment, SBA, and acquisition financing may take longer than working capital programs. Your specialist can discuss an estimated timeline for your request.
Will applying affect my credit?
Credit review procedures vary by program and lender. Ask whether a soft or hard inquiry is required before authorizing a credit check.
What should I compare before accepting an offer?
Review total repayment, interest or financing charges, payment frequency, fees, prepayment terms, and any personal guarantee or collateral requirements.
Build a Stronger Dental Practice
Tell us what you want to fund. We’ll help you explore options that fit your practice.
Monday–Friday · 9 AM–6 PM ET
All financing is subject to lender approval. Availability, amounts, costs, terms, and funding timelines vary.