Equipment financing
Imaging, chairs, lab gear.
Industry guide
Funding for medical, dental, and healthcare practices
Practices have some of the most reliable receivables in small business, and some of the slowest. Insurance reimbursement lag, credentialing delays for new providers, and expensive equipment make timing the central problem.
Common needs
- Imaging, chairs, lasers, and lab equipment.
- Hiring an associate or hygienist months before their revenue is credentialed and collected.
- Opening a second location or buying a retiring practice.
- Bridging a payer’s reimbursement delay or a billing-system change.
What fits what
| Need | Usually fits | Usually doesn’t |
|---|---|---|
| Equipment | Equipment financing (specialized practice lenders common) | Working capital advance |
| Reimbursement lag | Receivables-based line of credit or medical receivables financing | Daily-pay advance |
| Practice acquisition or expansion | Practice loans, SBA 7(a) (education) | Stacked advances |
| Short bridge during a billing transition | Line of credit; short advance only as a last resort | Anything with daily debits |
What lenders like about practices
Licensed providers and insured receivables. That is why dedicated practice lenders exist. If you are being pitched an advance, ask your bank and a practice lender for written terms first and compare total cost.
Watch for
- UCC liens that conflict with an existing practice loan.
- Personal guarantees that bind partners unevenly.
- Payer-mix changes that shrink the receivables a line was sized on.
What Fast Mula is and isn't. Fast Mula helps you compare business-funding structures and submit one inquiry. Nothing on this site is an offer, approval, guaranteed rate, or guaranteed timeline. Any funding depends on a provider's own review, and terms vary by state.
Common questions
Are there loans specifically for dental practices?
Yes. Several banks and specialty lenders offer practice loans for acquisition, equipment, and expansion with terms matched to practice economics.
Can I finance a hire?
Not directly, but a line of credit sized to cover salary until the provider is credentialed and collecting is a common approach.
Related
Line of credit
Bridging reimbursement lag.
Big Mula
Specialist review for acquisitions.
Dental practices
Chairs, imaging, reimbursement lag.
Practice owner? See what fits
Tell us about the need and the reimbursement cycle.