Business financing
Tell us what your business needs and explore financing options for cash flow, equipment, inventory, payroll, or expansion.
Typical minimum qualifications
What happens nextWe review your request and contact you about available business-financing options. Submitting does not guarantee approval.
Complete the application below. It usually takes about two minutes.
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.
Checking your options does not affect your credit score
No commitment. No impact to your credit score.
Why Practices Come to Us
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.
Insurance payer cycles of 30–90 days create real gaps between services rendered and cash received, squeezing day-to-day operations.
CBCT scanners, digital X-ray systems, chairside CAD/CAM units, and laser tools represent five- to six-figure investments that can't wait.
Attracting skilled hygienists, dental assistants, and front-desk staff in a competitive market often requires upfront compensation commitments.
Opening a second operatory or a new location requires leasehold improvements, plumbing, cabinetry, and equipment before seeing a single new patient.
Composites, impression materials, PPE, and sterilization supplies represent recurring overheads that fluctuate with patient volume and vendor pricing.
Building a strong local presence through digital marketing, patient outreach, and referral programs takes consistent investment before the revenue follows.
How Practices Use Funding
Whether your priority is clinical capacity, patient experience, or long-term growth, the right financing solution can unlock it.
Up to in available
business financing
Financing Solutions
Multiple financing options mean you can match the product to the purpose — whether it's a short bridge or a long-term growth investment.
Keep your practice running smoothly day-to-day. Cover payroll, supplies, and operating expenses without disrupting your patient schedule.
Access a defined lump sum for near-term needs — equipment, an office refresh, or a staff onboarding push — with a clear repayment schedule.
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.
Larger, longer-term investments — new locations, significant equipment, or a practice acquisition — benefit from structured multi-year repayment terms.
Practices that qualify may access government-backed SBA financing with competitive terms designed to support small business growth and ownership transitions.
Simplify multiple obligations into a single manageable payment, potentially improving cash flow and reducing complexity as your practice scales.
How It Works
We know your time is spent treating patients, not filling out paperwork. Our process is designed to be direct and efficient.
Complete a straightforward application in minutes. Tell us about your practice's revenue and time in business — no exhaustive documentation required to get started.
Get a funding decision in minutes. Review your options, rates, and terms with clarity — and ask questions before committing to anything.
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.
Do You Qualify?
Many dental practices qualify based on three practical criteria. If you meet or exceed these benchmarks, you are encouraged to apply.
6+ months in business
$25,000+ monthly revenue
550+ credit score considered
These are minimum thresholds. Meeting them does not guarantee approval — all applications are subject to review and underwriting.
Common Questions
We want you to feel informed before you apply. Here are questions we hear often.
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.
Most applications are completed in a matter of minutes. You will typically receive a funding decision in minutes after submitting your information.
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.
Once your application is approved and your agreement is finalized, funds can be deposited into your account as fast as 24 hours.
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.
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.
Yes. Dental practices frequently use financing to purchase or upgrade clinical equipment, including imaging systems, sterilization units, and chairside technology.
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.
Get Started Today
Check your options in minutes with no impact to your credit score. Up to $750,000 in business financing available.
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