Industries we fund · Dental Practices
Working capital for dental practice businesses
Dental revenue is recurring by design: hygiene recall refills the schedule months out, insurance pays on rhythm, and patient portions land same day by card. Growth means chairs, operatories, and equipment - all capital up front.
Clearwater places dental practice files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for dental practice business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a dental practice file
Dental files price among the best in small business because the deposit pattern is layered and predictable: scheduled insurance payments, daily card batches from patient portions, and a hygiene recall engine that keeps the schedule full. Funders read the payer blend - a PPO-heavy practice shows scheduled reimbursement deposits, a fee-for-service book shows stronger daily card volume - and both price well when consistent. Late-summer and December slowdowns are the known industry rhythm and read as normal. Equipment stories are the cleanest use in dentistry: a scanner, imaging unit, or added operatory converts directly into billable procedures. What underwriting will flag is a production cliff from an associate or hygienist departure - if that is the story behind a soft month, say so, because explained dips keep files alive.
What dental practice businesses use the capital for
- Imaging, scanners, and chairside milling equipment
- Operatory buildout to add capacity
- Bringing on an associate ahead of the production they generate
- Practice acquisition or buy-in costs
- Marketing for new patient flow
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a dental practice business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Dental Practices funding questions
Do insurance reimbursement delays hurt my application?
No. Reimbursement lag is structural to dentistry and funders price the trailing deposit rhythm, not any single week. Payer deposits read as high-quality revenue.
Is an advance sensible next to equipment financing?
It depends on speed and the purchase. Advances fund in days unsecured; equipment loans run longer terms at lower cost. We will lay both against your numbers so you can decide.
Can a newer practice qualify?
Six or more months of operating history is generally the floor. A younger practice with strong deposits could qualify - the file just prices more conservatively.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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