Fast, flexible capital for dentists, orthodontists, oral surgeons, and dental groups — without the weeks-long wait of a bank.
Apply in 4 Minutes →Call (305) 384-8391Dental practices run on expensive technology and steady patient flow — but the money rarely arrives when you need it. Insurance reimbursements lag 30 to 60 days behind the chairside work you have already done, while payroll, lab bills, and lease payments come due on a fixed schedule. A single new operatory, a CBCT scanner, or a CEREC mill can cost six figures. Merchant Fund Express closes that gap with funding built around how dental practices actually earn.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
The core problem in dentistry is the reimbursement lag. You deliver care today, submit claims, and then wait weeks for insurance carriers to pay — often after a round of denials, resubmissions, and write-downs. Meanwhile, hygienists and associates expect paychecks every two weeks, lab invoices for crowns and aligners arrive on net terms, and your equipment loans and office lease never pause.
Capital intensity makes it worse. Modern dentistry is a technology arms race: digital scanners, cone-beam CT, soft-tissue lasers, and chairside milling each carry five- and six-figure price tags, and patients increasingly choose practices with the latest tools. Add the cost of expanding to a second location, hiring associates, or buying out a retiring partner, and most practices simply cannot fund growth from monthly cash flow alone. Traditional banks treat dentists like any other small business — demanding tax returns, collateral, and 3-6 weeks of underwriting. We built our program for the realities of a chairside business: revenue-based underwriting, decisions in hours, and structures that flex with your production schedule.
$5K-$500K in fast, unsecured capital to cover payroll, lab bills, and marketing between reimbursement cycles. Flexible daily or weekly repayment that mirrors your collections.
Up to $2M over terms to 60 months for CBCT scanners, CEREC mills, chairs, and operatory build-outs — with Section 179 letting you deduct qualifying equipment the same tax year.
Turn slow insurance receivables into immediate cash. Advance against outstanding claims so you are not financing the carriers interest-free.
An advance repaid as a small share of daily card sales — ideal for fee-for-service and cosmetic practices with strong patient-pay volume.
Revolving access you draw on only when needed — perfect for multi-location dental groups managing uneven monthly expenses.
Working capital to support a partner buy-in, associate hire, or second-location launch as your group scales.
typical funding for operatory equipment, CBCT and CEREC technology, build-outs, and working capital
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We weigh your practice revenue and bank deposits more heavily than your FICO score. A busy practice with strong, consistent collections can qualify even with a 500-599 credit score, because the production and deposits tell the real story. We accept 500+ FICO; 600+ unlocks better pricing, and 650/700+ earns our most competitive rates and longest terms. There are no tax returns required under $250K — three months of business bank statements are usually enough to get a decision in 2-4 hours.
We fund established dental practice owners with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for dental and healthcare practices. Amounts, terms, and timelines vary by practice revenue, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
When you apply with Merchant Fund Express, you are working with the people who actually make the decision and release the money. We are not a lead broker selling your application to the highest bidder, and we are not a marketplace that pings a dozen lenders and leaves you fielding sales calls for weeks. We fund from our own capital, which means a dentist can submit an application in the morning, get a decision in 2-4 hours, and have working capital in the practice account the same or next business day. For an office facing a failed compressor, a missed payroll, or a time-sensitive equipment deal, that speed is the difference between solving the problem and losing the opportunity.
It also means flexibility. Because we hold the paper, we can structure repayment around your collections, combine an equipment lease with a working-capital advance, or restructure as your practice grows. A bank sees a dentist as a risk profile on a spreadsheet; we see a recurring-revenue business with sticky patients, insurance contracts, and predictable production — and we underwrite accordingly.
The strongest dental practices treat funding as a planning tool, not an emergency button. Equipment that generates revenue — a CEREC mill that keeps crown work in-house, a CBCT scanner that supports implant cases — is best matched to equipment financing, where the asset pays for itself over a 36-to-60-month term and qualifies for Section 179 deductibility. Short-term needs like bridging a reimbursement gap or funding a marketing push pair better with working capital or a line of credit you draw on only when you need it.
For multi-location groups and practices planning a partner buy-in or associate hire, a larger facility or revolving line keeps growth funded without disrupting day-to-day cash flow. Our team will look at your production, your collections cadence, and your goals, then recommend the structure that costs the least and fits the way your practice actually earns. The application takes about four minutes, there is no obligation, and a soft conversation about options never hurts your credit. Call (305) 384-8391 or apply online to see what your practice qualifies for today.
Most dental practices receive a decision in 2-4 hours and funding the same or next business day once approved. We built the process around busy practice owners who cannot wait weeks for a bank.
Yes. We accept 500+ FICO and weigh your practice revenue and bank deposits more heavily than your score. A practice with strong, consistent collections can qualify even in the 500s; 600+ simply unlocks more competitive pricing.
Working capital and merchant cash advances are typically unsecured. Equipment financing is secured by the equipment itself, which is how we keep rates competitive on CBCT, CEREC, and operatory build-outs.
Absolutely. Equipment financing covers imaging systems, milling units, chairs, lasers, and full operatory build-outs up to $2M over terms to 60 months, with Section 179 tax deductibility on qualifying equipment.
Yes. Dental groups often use a line of credit or larger working-capital facility to manage uneven expenses across locations, fund associate hires, and support partner buy-ins or new-office launches.
Just a completed application and your three most recent business bank statements. No tax returns are required under $250K. The whole application takes about four minutes.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.