Tell us about your business and funding needs. These typical minimums help us find relevant options.
From expanding an operatory suite to covering payroll between patient billing cycles, Apex Dental Finance provides flexible business financing designed around how dental practices actually operate.
No hard credit inquiry. Decisions in minutes.
Insurance reimbursements arrive weeks after treatment. Equipment requires significant capital. Seasonal patient volume fluctuates. These are real pressures — and they require real financing solutions.
Waiting 30 to 90 days for insurance payouts while payroll, supplies, and overhead demand payment creates real cash-flow gaps that financing can bridge.
Digital X-ray systems, cone beam CT scanners, dental chairs, and CAD/CAM mills represent significant upfront investments that can strain working capital.
Summer slowdowns, holiday scheduling gaps, and back-to-school rushes create uneven revenue streams that complicate month-to-month financial planning.
Retaining skilled hygienists, dental assistants, and front-office staff in a competitive labor market requires consistent, on-time payroll regardless of collections timing.
Opening a second location or renovating an existing space to add operatories demands a level of capital that cannot always be self-funded from practice cash flow.
Multiple high-interest obligations accumulated during practice startup or prior acquisitions can be consolidated into a single, more manageable payment structure.
Financing is most effective when directed toward specific, measurable growth or stability objectives. Here are common uses among dental practices.
Upgrade to digital imaging, CEREC same-day crown mills, laser dentistry systems, or practice management software.
Construct, expand, or renovate patient treatment rooms to increase capacity and reduce scheduling bottlenecks.
Invest in digital marketing, local SEO, patient referral programs, and in-house membership plans that grow the active patient base.
Maintain comfortable liquidity to handle payroll, dental supply orders, lab fees, and facility costs without disruption.
Purchase an established book of patients from a retiring dentist or expand into a second location in an underserved market.
Simplify multiple payment obligations into one structured facility to improve cash-flow predictability and potentially reduce total interest cost.
Send hygienists and assistants to CE courses, or fund a new associate dentist's onboarding to increase production capacity.
Stock adequate quantities of composite resins, impression materials, PPE, sterilization supplies, and specialty implant components.
The process is straightforward and designed to respect your time. Most dental practices receive a decision the same day they apply.
Complete a brief application with basic practice information. Checking your options does not affect your credit score and takes only minutes to submit.
Our underwriting process is built for speed. Receive a financing decision in minutes so you can move forward with confidence and clarity.
Once approved and documentation is complete, funds can be deposited into your business account as fast as 24 hours.
These are the baseline requirements for financing consideration. Meeting these thresholds makes your practice eligible to apply.
Your practice must have been operating for at least 6 months to be considered for financing.
Your practice should demonstrate at least $25,000 in monthly revenue at the time of application.
A minimum credit score of 550 is required. Stronger credit profiles may qualify for more favorable terms.
Checking your options does not affect your credit score. Apply with confidence.
Dental practices may access up to $750,000 depending on revenue, credit profile, time in business, and other underwriting factors. Actual funding amounts vary by applicant.
Rates start at 3.2%. Your actual rate depends on the financing product, your credit profile, revenue history, and the loan structure. The lowest rates are not available to all applicants.
Financing decisions are typically delivered in minutes after a complete application is submitted. This allows practice owners to plan with certainty rather than waiting days or weeks.
Once approved and all documentation requirements are fulfilled, funds can be deposited as fast as 24 hours. Exact funding timing varies by applicant, product, and verification requirements.
Checking your options does not affect your credit score. You can explore financing availability without any impact to your personal or business credit profile at the inquiry stage.
Yes. The minimum time-in-business requirement is 6 months, provided the practice also meets the monthly revenue and credit score thresholds. Newer practices are considered on the same basis as established ones.
Available products include working capital, short-term business loans, business lines of credit, business term loans, SBA financing, and business debt consolidation. The right product depends on your specific financing objective and profile.
Check your options in minutes with no impact to your credit score. Up to $750,000 in business financing available.
Check My Options NowFinancing 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. Apex Dental Finance is a business financing resource and does not represent that it directly originates all financing products. All financing is subject to underwriter review of applicant qualifications.