Healthcare
Business Funding for Dental Offices
Dental offices are one of the most capital-intensive small businesses to start. A single operatory costs $75,000 to $150,000 to equip with a chair, delivery system, X-ray unit, and cabinetry. Most dental startups need 4 to 6 operatories to be viable. The good news is that dental practices carry strong valuations and lenders know the economics well, so financing is more accessible than in many other industries.
Common Uses
What Dental Offices Use Funding For
- Equip operatories with dental chairs, digital X-ray sensors, and intraoral cameras
- Purchase a CBCT scanner or panoramic imaging unit for advanced diagnostics
- Acquire an existing dental practice from a retiring dentist
- Renovate the office to add operatories and expand capacity
Funding Options
Best Funding Types for Dental Offices
Dental Practice Loan
Specialty lenders like Bank of America Practice Solutions and Provide focus exclusively on dental. They understand the economics of a dental office and can fund acquisitions, startups, and expansions with terms built for the industry.
Equipment Financing
Finance individual pieces like CEREC milling units ($150,000+), cone beam scanners ($100,000+), or full operatory packages. Dental equipment has strong resale value through companies like Patterson and Henry Schein.
SBA 7(a) Loan
The standard vehicle for acquiring an existing practice or starting one from scratch. SBA loans cover goodwill, equipment, buildout, and working capital in a single loan with 10-year terms.
What Lenders Look For
Qualification Notes for Dental Offices
Related Industries
Related Healthcare Funding
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