You produce the dentistry today and wait weeks for insurance to reimburse — but the MCA debits daily. We refinance your practice's advance into terms that fit the dental revenue cycle.
Get Your Free MCA Payoff Quote → Call (305) 384-8391Dental practices face a unique cash-flow gap: you deliver care now, but a large share of revenue arrives weeks later when insurers finally reimburse. When a merchant cash advance with a daily ACH debit is layered on top of that lag, even a busy, profitable practice can run short on operating cash. Merchant Fund Express refinances and buys out high-factor-rate dental advances, restructuring them into a single payment that respects the insurance-reimbursement timeline.
Dental revenue is split between patient payments at the chair and insurance reimbursements that can take 30 to 60 days to clear. An MCA does not wait for the insurer. It uses a flat factor rate collected by daily debit: a $60,000 advance at a 1.40 factor means a fixed $84,000 payback ($60,000 × 1.40), pulled every business day regardless of when claims actually pay. (Illustrative factor-rate example, not a quoted offer.) The result is a practice that looks profitable on paper but is constantly scrambling to keep enough cash on hand for staff, lab fees, and supplies while it waits on aging insurance receivables.
When the daily debit collides with a slow reimbursement cycle, practices often renew their advance early or stack a second one to bridge the gap. That deepens the obligation at a higher effective cost. A buyout or refinance breaks the cycle by paying off the existing advance and consolidating any stacked positions into one manageable payment instead of multiple daily pulls.
Send your current MCA contract and three months of practice bank statements. We calculate your true effective rate and the real daily drain, then structure a buyout or refinance that lowers the burden and pays your existing funder in full. Approved files often fund the same day. As a direct funder, decisions come in 2-4 hours with no broker chain.
General dentistry, orthodontics, oral surgery, periodontics, endodontics, pediatric dental, and multi-location DSOs all use our buyout. We accept 500+ FICO and weigh practice collections and deposit history more than personal credit, which helps when a slow reimbursement quarter temporarily strained your score.
Some "renewal" offers are simply a new, higher-factor advance replacing the old one. As an honest, trusted, direct funder, we tell you plainly whether refinancing actually lowers your cost. If it helps your practice, we move fast and align repayment with your reimbursement cycle. If it does not, we say so.
| Factor | Staying in Your Dental MCA | Refinance / Buyout With MFE |
|---|---|---|
| Insurance lag | Daily debit ignores 30-60 day reimbursement waits | Restructured to fit the dental revenue cycle |
| Renewals/stacking | Early renewals raise your effective cost | Consolidated into one manageable payment |
| True cost | Fixed factor-rate payback, no benefit to paying fast | We calculate and aim to lower your effective rate |
| Speed | Funder-driven timeline | 2-4 hour decisions, same-day funding possible |
| Credit | Often opaque | 500+ FICO accepted, collections-focused |
Yes. We pay off your existing advance in full and refinance it into terms structured around your insurance-reimbursement timeline, often the same day.
Yes. We restructure the rigid daily debit into a single more manageable payment so a slow reimbursement cycle does not create a cash crunch.
We will tell you honestly. An early renewal often raises your effective cost, while a true buyout can lower it. We show you the real math first.
500+ FICO. We focus on your practice collections and deposit history more than your personal score.
Decisions in 2-4 hours with your contract and three months of statements. Same-day funding is possible.
For most requests under $250,000, no. Your MCA contract and recent practice statements are typically enough.
Honest buyout & refinance from a direct funder. 2-4 hour decisions. 500+ FICO welcome.
Get Your Free MCA Payoff Quote →Or call (305) 384-8391