Dental Practice Financing &
Acquisition Loans

Whether acquiring your first practice, building from the ground up, or refinancing, we connect you with specialized dental lenders.

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Loan Payment Calculator

Evaluate cash-flow based lending potential

Acquisition Price

The total purchase price of the practice.

Down Payment

Cash contribution towards the purchase.

Loan Amount

The total capital amount required for the acquisition or project, including working capital.

Rate (%)

Estimated annual interest rate. Current commercial practice rates typically range from 7-9%.

Term (Yrs)

The amortization period of the loan. 10 years is standard for practice acquisitions.

Collections

The annual gross revenue collected by the practice before any expenses.

$800k

Overhead %

Total operating expenses expressed as a percentage of revenue. Typically 55-65% for general practices.

60%

Personal Annual Debt

Sum of your personal annual payments (Home mortgage, student loans, auto loans, credit cards).

Disclaimer: These numbers are estimates. US Dental is not a financial institution and we will be connecting customers to institutions which are qualified to discuss finances.

Est. Monthly Payment

$9,100/mo

DSCR Ratio --x

Debt Service Coverage Ratio (DSCR) measures the practice's ability to pay debt with cash flow. Lenders typically require >1.25x.

Calculating... Updating metrics

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Financing Designed for the Modern Dentist

Buying or starting a dental practice is likely the largest financial transaction of your career. It requires more than a generic small business loan; it demands specialized underwriting that understands the unique economics of dentistry. The value of a practice lies in its patient records, hygiene recall systems, and goodwill—assets that traditional banks often undervalue.

At US Dental Practices, we simplify the lending landscape. We help you navigate the choice between the speed of fintech lenders and the stability of institutional banks. Whether you are an associate carrying student debt or an established owner seeking commercial real estate, our partners utilize 'cash-flow based' underwriting. This means your approval is based on the practice’s ability to produce revenue, not just your personal asset column.

Specialized Financing Solutions

Tailored capital structures for every stage of your dental career.

Acquisition Loans

Secure the capital to purchase an existing general or specialty practice. Our network lenders offer up to 100% financing plus working capital, often with no personal collateral required.

LTV Up to 100% + Working Cap
Terms 10 - 15 Years
Collateral Practice Assets Only

Startup & Construction

From demographic analysis to Certificate of Occupancy. Access 'Graduated Payment' programs that allow for interest-only payments for the first 12-24 months to preserve liquidity.

Structure Interest Only Period
Coverage Equipment + Buildout
Benefits Cash Flow Management

Refinance & Expansion

Optimize your P&L by consolidating high-interest equipment leases. Expansion loans are available for second locations, remodels, or commercial real estate purchases.

Goal Lower Monthly Payment
Use Real Estate / Remodel
Rate Competitive Fixed

Do You Qualify? The "60/40" Rule

Approval for a dental practice loan is rarely based on your credit score alone. In fact, underwriters typically use a '60/40' rule: 60% of the decision is based on the practice's historical cash flow, and 40% is based on your personal financial strength.

Credit Score

A FICO score of 680+ is the standard floor, though 700+ commands the best rates.

Liquidity

Lenders want to see 'post-closing liquidity'—typically $50k in cash reserves.

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Fill out one simple form to connect with lending specialists who understand your market.

No credit pull
24-hour response time
Multiple lender offers