Business financing

Funding options built around your business

Tell us what your business needs and explore financing options for cash flow, equipment, inventory, payroll, or expansion.

Typical minimum qualifications

6+ months in business
$25,000+ monthly revenue
550+ credit score

What happens nextWe review your request and contact you about available business-financing options. Submitting does not guarantee approval.

Check your funding options

Complete the application below. It usually takes about two minutes.

Submitting this request does not guarantee approval. Financing terms depend on underwriting.

Business Financing for Dental Practices

Capital to grow your
dental practice
on your terms.

From upgrading imaging equipment to expanding into a second location, Meridian Dental Finance connects your practice with the right funding — with decisions in minutes and funds as fast as 24 hours.

$750K Up to in funding
3.2% Rates starting at
24 hr Funding as fast as
Minutes Decision timing

Checking your options does not affect your credit score

Check Your Funding Options

No commitment. No impact to your credit score.

The financial realities of running a dental practice

Patient revenue can be strong, yet cash can be constrained. Dental practices face capital challenges unique to their business model — and traditional banks rarely move fast enough.

Slow insurance reimbursements

Insurance payer cycles of 30–90 days create real gaps between services rendered and cash received, squeezing day-to-day operations.

High-cost equipment needs

CBCT scanners, digital X-ray systems, chairside CAD/CAM units, and laser tools represent five- to six-figure investments that can't wait.

Hiring and payroll demands

Attracting skilled hygienists, dental assistants, and front-desk staff in a competitive market often requires upfront compensation commitments.

Expansion and build-out costs

Opening a second operatory or a new location requires leasehold improvements, plumbing, cabinetry, and equipment before seeing a single new patient.

Supply and materials costs

Composites, impression materials, PPE, and sterilization supplies represent recurring overheads that fluctuate with patient volume and vendor pricing.

Marketing and patient acquisition

Building a strong local presence through digital marketing, patient outreach, and referral programs takes consistent investment before the revenue follows.

Put capital to work across every part of your practice

Whether your priority is clinical capacity, patient experience, or long-term growth, the right financing solution can unlock it.

  • Digital imaging, CBCT, and chairside technology
  • Office renovations, operatory build-outs, and ADA upgrades
  • Staffing, hiring bonuses, and payroll support
  • Dental supply inventory and lab materials
  • Practice acquisition or partnership buy-in
  • Cash-flow bridge during insurance reimbursement delays
  • Marketing, digital advertising, and patient loyalty programs
$750K

Up to in available
business financing

Rates starting at 3.2%
Funds as fast as 24 hours
Decision in minutes

Structured for the way dental practices actually work

Multiple financing options mean you can match the product to the purpose — whether it's a short bridge or a long-term growth investment.

Working Capital

Keep your practice running smoothly day-to-day. Cover payroll, supplies, and operating expenses without disrupting your patient schedule.

Short-Term Business Loans

Access a defined lump sum for near-term needs — equipment, an office refresh, or a staff onboarding push — with a clear repayment schedule.

Business Lines of Credit

Draw what you need, when you need it. A revolving credit line is ideal for practices with variable costs, seasonal patient volume, or ongoing supply purchases.

Business Term Loans

Larger, longer-term investments — new locations, significant equipment, or a practice acquisition — benefit from structured multi-year repayment terms.

SBA Financing

Practices that qualify may access government-backed SBA financing with competitive terms designed to support small business growth and ownership transitions.

Business Debt Consolidation

Simplify multiple obligations into a single manageable payment, potentially improving cash flow and reducing complexity as your practice scales.

From application to funded — in three steps

We know your time is spent treating patients, not filling out paperwork. Our process is designed to be direct and efficient.

Apply online

Complete a straightforward application in minutes. Tell us about your practice's revenue and time in business — no exhaustive documentation required to get started.

Receive a decision

Get a funding decision in minutes. Review your options, rates, and terms with clarity — and ask questions before committing to anything.

Funds hit your account

Once you accept and finalize your agreement, funding can arrive as fast as 24 hours so you can act on your practice's priorities without delay.

Straightforward minimum requirements

Many dental practices qualify based on three practical criteria. If you meet or exceed these benchmarks, you are encouraged to apply.

6+ mo.
Time in Business

6+ months in business

$25K+
Monthly Revenue

$25,000+ monthly revenue

550+
Credit Score

550+ credit score considered

These are minimum thresholds. Meeting them does not guarantee approval — all applications are subject to review and underwriting.

Answers dental practice owners ask

We want you to feel informed before you apply. Here are questions we hear often.

Will checking my options affect my credit score?

No. Checking your options does not affect your credit score. A soft inquiry may be used during initial review, which has no impact on your credit report.

How long does the application take?

Most applications are completed in a matter of minutes. You will typically receive a funding decision in minutes after submitting your information.

My practice is relatively new. Can I still apply?

Practices that have been operating for 6 or more months and meet the revenue and credit benchmarks are welcome to apply and be considered for financing.

How fast can I access funding?

Once your application is approved and your agreement is finalized, funds can be deposited into your account as fast as 24 hours.

What credit score do I need?

Applications with a credit score of 550 or higher are considered. A stronger credit profile may improve the terms and rates available to your practice.

What financing products are available?

Options include working capital, short-term business loans, lines of credit, business term loans, SBA financing, and business debt consolidation — matched to your practice's needs.

Can I use financing for equipment?

Yes. Dental practices frequently use financing to purchase or upgrade clinical equipment, including imaging systems, sterilization units, and chairside technology.

How much can my practice borrow?

Financing options are available up to $750,000. The amount available to your practice depends on your revenue, credit profile, time in business, and other underwriting factors.

Your practice's next chapter starts with the right capital.

Check your options in minutes with no impact to your credit score. Up to $750,000 in business financing available.

Check My Options
Important Disclosure: Financing is subject to approval and underwriting. Amounts, rates, terms, and funding times vary by applicant, and the lowest rates and fastest funding are not available to all applicants.