Dental practice loans, simplified.
From upgrading to digital imaging to expanding your operatory count — we connect dental practices with fast, flexible financing built around the way modern dentistry operates.
The Challenge
Dental practices are equipment-intensive businesses
Between six-figure imaging systems, operatory buildouts, and the constant pressure to adopt new technology — dental practices face some of the highest capital requirements per square foot of any healthcare specialty. Add in insurance reimbursement delays and the cost of competing for patients, and cash flow management becomes a daily challenge.
Equipment & Technology
CBCT scanners, CAD/CAM milling units, digital impressions systems, and operatory chairs represent major capital investments that quickly become outdated.
Office Buildout & Renovation
Adding operatories, upgrading plumbing and suction lines, refreshing patient-facing areas, or building out a new location requires capital well beyond typical practice cash reserves.
Staffing & Associates
Hiring hygienists, dental assistants, and associate dentists is expensive and competitive — especially when scaling to meet patient demand or adding specialties like ortho or implants.
Insurance & Patient AR
Payer processing cycles of 30 to 90 days delay revenue, while patient financing write-offs and aged receivables add pressure to already tight margins.
Financing Options
Choose the right financing for your dental practice
Whether you're a solo practitioner, a group practice, or part of a DSO — our products are designed to match the capital needs of modern dentistry.
Business Line of Credit
Revolving credit for lab fees, dental supplies, and day-to-day operating costs. Draw what you need between insurance reimbursement cycles and replenish as claims clear.
- Amount
- $5K – $250K
- Speed
- 1–2 days
- Min. FICO
- 600+
Business Term Loan
A lump sum with fixed payments for major investments — a full operatory buildout, practice acquisition, partnership buy-in, or opening a satellite location.
- Amount
- $5K – $500K
- Speed
- 2–5 days
- Min. FICO
- 650+
Equipment Financing
Finance up to 100% of CBCT scanners, CAD/CAM systems, dental chairs, autoclaves, compressors, and operatory packages. The equipment serves as its own collateral.
- Amount
- Up to 100%
- Speed
- 2–7 days
- Min. FICO
- 600+
Revenue-Based Financing
Receive a lump sum based on your practice's collections — repaid as a percentage of daily or weekly deposits. Ideal when you need capital fast and can't wait on a traditional bank timeline.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Invoice Financing
Unlock cash from outstanding dental insurance claims and patient receivables. Advance up to 90% of the invoice value within 24 hours instead of waiting 30-90 days on payers.
- Amount
- Up to 90%
- Speed
- 24 hours
- Min. FICO
- 600+
Not sure which product fits?
Our advisors understand dental practice financing and can help match you with the right solution for your office.
Talk to an AdvisorEligibility
Do I qualify for dental practice financing?
Minimum Qualifications
- 500+ personal FICO (varies by product)
- At least 3 months in business
- $4,000+ in monthly revenue
- Active business checking account
What You Need to Apply
- Basic info about your dental practice
- Last 3 months business bank statements
- Owner identification
- 3–5 minute application
Applying is free and won't impact your credit score.
Funding Estimator
How much could your dental practice qualify for?
Select your credit range and monthly collections to see an estimated funding amount.
Free to apply · No credit impact
*Results shown are for general informational purposes and illustration only, and are not to be treated as an offer. Applications are subject to approval.
Use Cases
How dental practices use Ridgepeak Capital
Upgrading to a 3D CBCT imaging system
A general dentist adding implant services needs a $140K CBCT scanner to plan cases in-house instead of referring out. Equipment financing covers the full cost with the unit as collateral — keeping cash reserves for operations.
Equipment FinancingCovering payroll during a PPO reimbursement delay
A 6-chair practice with 14 staff members is waiting on $110K in PPO insurance payments that are 45 days overdue. A line of credit keeps payroll, lab fees, and supply orders running without disruption.
Line of CreditBuilding out two additional operatories
A growing practice signs an expansion lease and needs $180K for plumbing, cabinetry, chairs, and equipment to add two operatories. A term loan provides the lump sum with predictable monthly payments over 4 years.
Term LoanLaunching a new patient acquisition campaign
A cosmetic dentistry practice wants to invest $50K in digital marketing and community outreach to fill its Invisalign and veneer schedule. Revenue-based financing delivers the capital within 24 hours with repayment tied to collections.
Revenue-Based FinancingHow It Works
From application to funding in three steps
Apply in minutes
Complete our quick online application in under 5 minutes — between patients, during lunch, or after hours. No paperwork and no credit impact.
Get matched
Our platform evaluates your practice's profile and matches you with the best financing options from our network of 75+ lenders who understand dental businesses.
Get funded
Choose the best offer and receive capital in your business account in as little as 24 hours. Invest in your practice with confidence.
FAQs
Common questions about dental practice financing
Everything dentists and practice owners need to know before applying.
What types of financing are available for dental practices?
Dental practices can access business lines of credit for supplies and operating costs, term loans for office buildouts and practice acquisitions, equipment financing for chairs, CBCT scanners, CAD/CAM systems, and sterilization equipment, revenue-based financing for fast working capital, and invoice financing to accelerate collections from insurance payers and patient receivables.
Can I get a dental practice loan with bad credit?
Yes. Revenue-based financing is available with FICO scores as low as 500 and qualifies based primarily on your monthly collections rather than credit history. Other products like lines of credit and equipment financing generally require a 600+ score. Each product has different criteria, so there are options across most credit profiles.
How fast can a dental practice get funded?
Revenue-based financing and lines of credit can fund in as little as 24 hours after approval. Equipment financing and term loans usually take 2 to 7 business days depending on the amount and documentation. The application itself takes less than 5 minutes.
What can I use a dental practice loan for?
Dental financing can be used for operatory equipment and chairs, CBCT and digital imaging systems, CAD/CAM milling machines, office renovation and buildout, practice management and EHR software, marketing and patient acquisition, associate dentist hiring, opening a satellite location, or bridging gaps in insurance reimbursement cycles. Funds deposit directly to your business account.
Do I need collateral for a dental practice loan?
Not for all products. Revenue-based financing and business lines of credit are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral, so you don't need additional assets. Term loans may require a personal guarantee depending on the lender and loan amount.
How much can a dental practice borrow?
Funding amounts range from $5,000 to $2 million depending on the product, your annual collections, and time in practice. Most dental offices qualify for $50K to $500K based on their monthly collections and chair count. Revenue-based financing offers the widest range, while lines of credit max out at $250K.
Ready to invest in your practice?
Apply in minutes. No impact to your credit score, and funding can arrive in as little as 24 hours.
Apply NowHave questions? Talk to an advisor.
Our team understands dental practice financing and can help you find the right solution for your office.
Contact Us*The content provided on this page reflects the opinions and insights of Ridgepeak Capital, based on our research, methodologies, evaluations, and various additional considerations. This information is accurate as of the initial publication date. Ridgepeak Capital makes every effort to update and maintain the accuracy of this content, however, the information may differ from what you may find on other platforms. All information is presented without any warranty. We encourage you to carefully review the terms and conditions, relevant policies, contractual agreements, and all applicable details of the financial institution when considering offers. The ranges mentioned here do not represent pre-qualified offers. Ranges may be greater or less based on the information provided in your business financing application. Ridgepeak Capital may receive compensation from financial institutions reviewed on this page if you proceed to obtain business financing through them.