Dental Practice Financing for New Technology, Space and Ownership
Add CBCT imaging or same-day CAD/CAM, build out new operatories, or buy a practice or partner's share with funding matched to your production.
- Apply in under 10 minutes
- No hard credit pull to check your options
- All 50 states · English & Spanish
- One applicationMultiple funding options, side by side
- Soft credit checkNo hard pull to see what you qualify for
- Funding advisorYour request structured and coordinated for you
- NationwideAll 50 states, English & Spanish
Dental financing for every move in your practice plan
A new scanner, two extra operatories and a partner buyout are very different investments. Here is how practice owners usually match funding to each one.
| Your goal | Best-fit funding | What you gain |
|---|---|---|
| Add CBCT or digital imaging, intraoral scanners or lasers | Equipment financing | Spread the cost over the equipment's useful life; the equipment typically secures the deal |
| Bring same-day crowns in-house with CAD/CAM milling | Equipment financing or term loan | Payments that can line up with new production |
| Build out new operatories or remodel your office | Term loan or SBA 7(a) loan | One lump sum with predictable payments for more chair capacity |
| Acquire a practice or buy out a retiring partner | SBA 7(a) loan or term loan | Long terms sized to the practice's cash flow |
| Smooth cash flow while insurance claims are processed | Business line of credit | Draw for payroll and supplies, repay as reimbursements arrive |
| Buy the building your practice operates in | Commercial real estate loan or SBA 504 | Long terms that turn rent into equity |
Not sure which fits? Compare every funding option or apply once and let a funding advisor match it for you.
Patients are spending. Overhead is rising faster. Technology closes the gap.
The ADA Health Policy Institute reports national dental expenditure reached $189 billion in 2024, representing 3.6% of total U.S. health expenditure, and grew 4% from 2023 after adjusting for inflation. But the same institute found practice expenses rose 4.9% over a recent five-year period while revenues went up 1.4%. When costs outpace revenue, the practices that keep margins are the ones getting more out of every chair and every hour.
That is where financing earns its keep. Digital imaging and intraoral scanners can speed diagnosis and case acceptance, CAD/CAM can bring lab work in-house, and an added operatory can grow production without adding a second location. Ownership transitions are another big driver, as associates buy in and retiring dentists sell. Running a physician or specialty clinic too? See our medical practice financing options.
What funding providers look for in a dental practice
Dental practices are judged on production, collections and the owner's track record. Show strength here:
Production & collections
Monthly production, collections rate and growth trends show how consistently the practice turns patient care into cash.
Payer mix & patient base
The balance of fee-for-service, PPO and other insurance, plus active patient counts, helps a provider understand revenue stability.
Practice valuation & transition terms
For acquisitions and partner buyouts, a practice valuation, purchase agreement and transition plan shape the size and structure of the deal.
Dentist experience & credit
Years in practice, licensing, personal and business credit, and existing debt, including student loans, round out the picture.
From application to funding in three steps
Alta Business Loans is a business funding brokerage, not a lender. We do the legwork so you can compare real options instead of chasing one bank.
Apply once
One secure online application, under 10 minutes. No document uploads to start and no hard credit pull to check your options.
We structure & coordinate
A funding advisor builds your request around how your business earns and takes it to funding providers whose programs fit.
Choose and get funded
Compare amounts, payments and total cost side by side, pick the offer that works, and finalize directly with the provider.
Dental practice financing FAQs
Can I finance a dental practice acquisition or partner buyout?
What dental equipment can be financed?
Do orthodontists, oral surgeons and other specialists qualify?
How can I manage cash flow while waiting on insurance claims?
Will checking my options affect my credit score?
Fund the technology, space or ownership your practice is ready for
Tell us what your dental practice needs and get funding options matched to your production, not a one-size-fits-all offer.