Dental Practice Loans

SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and time in practice can all support your application. For a practice with credit challenges, approval rests on patient revenue and deposit history rather than the score.

After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.

No. SBG Funding’s dental practice loans are unsecured. You are not required to pledge equipment, real estate, or other assets. Equipment financing is the one exception: the equipment itself serves as collateral, which is standard across the industry and typically reduces your rate.

Yes. Equipment financing is purpose-built for high-value dental technology. CBCT cone beam scanners, CAD/CAM milling systems, digital X-ray units, intraoral cameras, and dental chairs can all be financed with terms up to 60 months. The equipment serves as its own collateral, no additional assets required. A business term loan is also an option if you prefer a single facility covering both equipment and working capital.

Yes. This is one of the most common uses of a business line of credit for dental practices. Insurance reimbursements on a 30 to 90-day cycle create a recurring cash flow gap that a line of credit is designed to bridge. Draw against the line as needed and repay as reimbursements clear. You only pay interest on what you draw, making it more cost-efficient than a fixed-term loan for recurring cash flow management.

Yes. A second location is one of the primary use cases for SBA 7(a) financing in the dental sector. SBA 7(a) financing support practice acquisition, new location buildouts, and major leasehold improvements with terms up to 25 years. SBG Funding helps dental practices navigate the SBA process from application to funding. Contact us to discuss the right structure for your expansion plan.

Yes. Practice acquisition is a core use case for SBA 7(a) financing. You are acquiring an established patient base, equipment, staff, and goodwill, all of which the SBA program is designed to fund. Acquisition financing through SBA 7(a) typically covers the full purchase price plus working capital for the transition period. Terms up to 10 years for business acquisition (longer for real estate).

Yes. Bringing on an associate before their production fully offsets their compensation is a standard growth investment for scaling practices. A business line of credit covers the ramp period, typically 60 to 90 days, while the associate builds their patient volume. The incremental production an associate generates typically covers the financing cost many times over.

No. Fee-for-service and cash-pay practices are eligible. What we evaluate is your bank statement deposit history, consistent incoming revenue, regardless of whether it comes from insurance companies or patients directly, is what matters. Fee-for-service practices often have cleaner, faster cash flow than insurance-heavy practices, which can actually be an advantage during underwriting.

SBG Funding offers dental practice financing from $5,000 to $10,000,000. The amount you qualify for is based primarily on your monthly revenue. A dental practice generating $120,000 per month in deposits would typically qualify for $120,000–$240,000 for working capital products. For SBA 7(a) financing for acquisition or expansion, funding amounts are sized to the project, up to the SBA 7(a) maximum of $5,000,000.

Yes. Specialty practices such as oral surgeons, orthodontists, endodontists, periodontists and pediatric dentists qualify under the same criteria as general practices. Specialty practices often have higher average case values and more predictable revenue patterns than general dentistry, which can support stronger approval outcomes. The same baseline requirements apply: $150,000+ annual revenue, 500+ FICO, and 6+ months in operation.