Ready To Move Your Business Forward?
Types of Dental Practice Loans
Small Business Loans
Secure operating capital
for daily expenses, materials,
payroll and more.
$5,000 to $500,000
Equipment Financing
and Leasing
Purchase or lease equipment
for your dental practice business.
Up to $150,000
How Dental Practice Business Loans Can Help You
Growing a dental business is an investment for owners and operators, whether you’re running a traditional dental office, an orthodontic center or a dental supply company. From keeping your dental hygiene equipment up to date to spending on marketing, dental offices require funds to sustain and grow business. Sometimes this means you may need cash for upgrades or expansions before you receive payment from dental insurance or a patient. While you’re waiting for invoices to clear, consider dental practice financing to cover your everyday working capital needs.
Update Dental Equipment
- Dental office loans allow you to refurbish or replace your dental care equipment
- Use a working capital loan to cover the costs of technology innovations in the dental industry
Pay Everyday Expenses
- Cover the cost of recurring expenses like floss, beverages or printer paper
- Pay your dental office space rent, utilities and taxes to keep the lights on and water running
Spruce Up Your Dental Office
- Create a clean, modern look in your waiting area with new furniture and décor
- Promote patient comfort with in-chair entertainment options like televisions while they wait
Grow Your Practice
- Expand your dental practice to a larger location or open a second practice in a new area
- Bring on another dentist or hire additional staff with funds from a dental practice loan
How to Apply
How do dental practice business loans work? With National Funding, applying is easier than ever.
If you have been in business for at least a year and have $100,000 in annual sales,
the process to get a dental business loan is simple:
"National Company was a great company to partner with for my business needs"
– Legacy Dental
Why National Funding?
When considering the needs of your dental practice, you want a lender who has worked with dentists before. At National Funding, we understand that securing financing for a small dental practice or orthopedic center can be difficult. As a dentist, you sometimes have to wait for patients to pay their invoices and for payments to clear. Dealing with dental insurance companies can make this process even longer. Dental office loans from National Funding don’t require lengthy paperwork. Speak with one of our friendly, knowledgeable loan specialists to learn more about our dental practice loans.
We Know Dental Businesses
Experience supporting dental practice business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hours1Loan Specialists Who Care
Experienced Loan Specialists help you make the right decisionWorry-Free Lending
No collateral requirements, plus simple, automatic paymentsDental Practice Business Resources
A dental office loan is an investment in the growth of your dental practice business — but securing financing is only a fraction of what it takes to manage your practice’s finances. We’ve put together a list of resources to give you the whole story on loans, taxes and managing the financial health of your dental office.

How New Equipment Can Elevate Your Dental Practice
The number of dentists and dental practices is expected to grow for many years to come. As a dental professional, you have to set your practice apart from the others to reach new patients and gain their loyalty. Check out this post to learn how upgrading your dental equipment can not only make your job easier, but can help your patients feel more at ease.

A Quick Guide to Dental Office Loan Jargon
Applying for dental practice financing can feel nerve-wracking, especially when you start reading the fine print on a loan. Legal language doesn’t have to be scary or confusing, though. We’ve taken the time to break down the most important terms to know about your small business loan so you’ll feel confident when researching and applying for financing.

Common Tax Mistakes That Could Cost Your Dental Practice
Tax time is stressful for almost everyone, but as a small business owner you have a more complicated set of tax requirements to abide by than most. Navigating quarterly taxes and understanding the deductions available for your dental practice are difficult tasks. Prepare yourself by reviewing these common tax mistakes so you know what to avoid and don’t cost your dental practice money come tax time.
Ratings & Reviews
We are very proud of what our customers are saying on TrustPilot.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.