Dental practice financing
Get $5,000 to $10 million to upgrade dental equipment, bridge insurance reimbursement gaps or fund practice expansion, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Dental practice financing options at a glance.
The right option depends on what the money is for: equipment you’ll use for years, the wait on insurance claims, or buying a practice.
Small Business Term Loans
- Best for
- A new operatory build-out, practice software or a refreshed reception area
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Payroll, lab bills and supplies while insurance claims are being paid
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Chairs, cone-beam imaging, intraoral scanners and an in-office mill for same-day crowns
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Invoice Financing
- Best for
- An advance on claims you’ve submitted, paid before the insurer pays you
- Repayment term
- Per claim, when the insurer pays
- Min. credit score
- 500+
Bridge Capital
- Best for
- Closing on a practice, a partner buyout or a move before long-term financing arrives
- Repayment term
- Weeks to months
- Min. credit score
- 500+
How dental practice financing works.
For an insured patient, a visit is paid in two parts: the patient’s share at the visit, and the insurer’s share weeks later, once the claim clears review. Payroll, lab bills and new equipment are due before the second payment arrives.
You apply online in minutes. Our team reviews your application and brings you the options that fit your practice: a line of credit for the claims gap, equipment financing for new technology or a term loan for a build-out. We look at your revenue, deposits and time in business, not just your credit score.
Read more
Financing insurance claims. Invoice financing advances up to 90% of what insurers owe on claims you’ve submitted. The rest, less a fee, follows when the claims are paid.
New equipment. Cone-beam imaging or an in-office mill brings work in-house that you refer out or send to a lab today. Equipment financing spreads the cost over its working life, with the equipment as collateral.
Buying a practice. When a purchase or a partner buyout has to close before long-term financing is ready, bridge capital covers the gap, and it’s repaid once that financing arrives.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Dental practice financing for every situation.
Practices use different kinds of financing for the wait on claims, for new equipment and for buying a practice.
The wait on insurance claims
Claims go out every day and pay weeks later. A line of credit keeps payroll and lab bills on schedule, and you repay it as the claims come in.
Going fully digital
Intraoral scanners, cone-beam imaging and an in-office mill are paid for up front. Equipment financing spreads the cost over the years you use them.
Buying a practice or opening a second one. Bridge capital closes the deal while long-term financing is arranged, and a term loan fits out the new space.
What dentists use financing for.
New operatories
Chairs, delivery units and lights, so more patients are seen each day.
3D imaging
Cone-beam scans and digital sensors for sharper diagnoses and implant planning.
Same-day crowns
An intraoral scanner and an in-office mill, so a crown is finished in one visit.
Waiting on claims
Payroll, lab bills and supplies covered while submitted claims are paid.
An associate or hygienist
A new associate’s first months, before their schedule fills.
Buying a practice
A retiring dentist’s practice, a partner’s share or a second location.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposits from insurers and patients, and time in business. A practice with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Can I get funding against claims I’ve submitted?
Yes. Invoice financing advances up to 90% of what insurers owe on submitted claims, and the rest, less a fee, comes when they’re paid. A line of credit covers the same wait if you’d rather draw only what you need.
Can I finance a cone-beam scanner, an intraoral scanner or a mill?
Yes. Equipment financing covers new and used dental equipment, up to 90% of its value, with the equipment itself as collateral, and spreads the payments over its working life. You’ll need the dealer’s quote.
Can financing help me buy a practice?
Yes. Bridge capital covers a purchase or a partner buyout while long-term financing is arranged, and a term loan funds the build-out that follows.
Can financing cover a new associate?
Yes. Working capital or a line of credit covers a new associate’s first months, until their schedule fills and their claims are paid.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.