Dental financing

Capital for your next upgrade — Dental Capital

For dentists, owners, and office managers financing chairs, CBCT, or a startup buildout with a soft inquiry first.

Soft inquiry first. No borrower fees to compare.

4.9 Excellent · 3,200+ reviews via Big Think Capital
Practice terms
  • CBCT
  • operatory buildout
  • chair package
  • practice buy-in
  • soft pull
  • de novo
  • lease buyout
  • imaging suite
  • 1 soft pull First review check
  • $25K-$500K Common deal range
  • 24-72 hrs Initial response

What business owners say

4.9 Excellent 3,200+ reviews on Trustpilot via Big Think Capital
  • This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
    Stephanie Harlan Verified
  • Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
    Josias Ramirez Verified
  • They gave me a chance when nobody else would. I'm very satisfied.
    Harold Benman Verified
Dental funding path

How dental financing moves

Submit the quote, budget, or practice plan. We match it to lenders that know dental equipment and start with a soft inquiry.

1
You
Send the project
Share the equipment quote, startup budget, or expansion plan.
2
Us
We sort the fit
We route your file to lenders that work with dental practices.
3
Lender
Review terms
Compare payment, term, and down payment options with a soft pull.
4
Lender
Fund and order
After approval, you can place the order and schedule install.

Dental-only routing

  • We send chairs, CBCT, startup, and expansion files to niche lenders.
  • You do not waste time with banks that skip dentistry.

Soft-pull review

  • The first pass uses a soft inquiry, not a hard credit hit.
  • You can compare offers before you commit.

Quote-based funding

  • A signed quote or project budget is usually enough to start.
  • Useful for chairs, imaging, operatories, and opening gear.
Why banks say no

Why banks skip dental deals

Banks often want 2 to 3 years of filings, strong collateral, and low debt. Dental buys can be heavy up front before collections catch up.

01

No operating history

Banks want years of filings and steady collections, which many new practices do not have.

Startup lenders can use the equipment quote, owner credit, and opening budget instead.
02

Debt already on books

A bank may count old balances before the new chair or imaging purchase starts paying back.

Specialty lenders can size the deal to the payment and project, not just the balance sheet.
03

Credit or cash flow gaps

Variable production, tax add-backs, or older dings can push a dental file outside bank boxes.

Some programs still review bad credit dental practice loans when the asset and payment fit.
Illustrative fundings

Illustrative dental request composites

These are composite examples, not real customers: a CBCT upgrade, a chair package, and a de novo buildout routed to different lenders.

Illustrative TX · CBCT financing
$85K-$120K

Solo dentist

Purchased a CBCT unit and sensor package for a growing hygiene schedule.

Illustrative FL · Expansion loan
$140K-$200K

Group owner

Added two operatories, a chair package, and cabinetry for an expansion.

Illustrative CA · Startup loan
$220K-$300K

New owner

Funded startup buildout, imaging gear, and opening inventory for a de novo office.

Illustrative OH · Chair lease
$35K-$60K

Office manager

Replaced failing chairs and delivery units without pausing patient flow.

How we label illustrative scenarios →

Related coverage

Other funding tied to practice growth

If the project also needs SBA loans for dental practices, working capital, or real estate, we can route that too. One intake can cover startup, expansion, and replacement deals.

Common questions

Questions dentists ask before they apply

For a de novo office, lenders usually want the equipment quote, owner credit, and a startup budget showing how 1 to 3 months of expenses get covered before collections ramp up.