Serving Dallas-Fort Worth
Serving Dallas-Fort WorthDental Practice Loans in Dallas, TX
Dental practice loans are SBA 7(a), SBA 504, and conventional financing programs structured around how dental practices actually cash-flow. Lenders that specialize in dental understand that practices generate strong, predictable revenue, so they'll often lend at higher leverage and longer terms than a generalist bank would.
- No upfront fees, ever
- Compare multiple lenders in one call
- Texas-based advisors
- Soft credit pull (no credit hit to quote)
Call (469) 213-1499
Program at a glance
- Typical loan amount
- $100K - $5M (SBA) · larger for conventional and DSO deals
- Funding speed
- 30 - 60 days to fund
- Term length
- 10 - 25 years
- To qualify
- DDS/DMD, 1+ year experience, decent personal credit, practice DSCR ≥ 1.2
Typical loan amount
Funding speed
To qualifyRanges are typical for Dallas-area files. Final rates and terms depend on the lender and borrower profile.
What it is
Dental Practice Loans, explained in plain English
Dental practice loans are SBA 7(a), SBA 504, and conventional financing programs structured around how dental practices actually cash-flow. Lenders that specialize in dental understand that practices generate strong, predictable revenue, so they'll often lend at higher leverage and longer terms than a generalist bank would.
For Dallas dentists, the most common uses are acquiring an existing practice, opening a second location (de novo), buying chairs and imaging equipment, and refinancing higher-cost debt into longer SBA terms.
Compass Lenders is not a lender. We're a Dallas-based advisory firm that places your file with the lender most likely to fund it on the best terms, and we get paid only when your deal closes.
Who it's best for
A good fit if you recognize yourself here
Dental Practice Loans tends to be the right choice in specific situations. If one or more of these describes you, it's worth a 15-minute call.
Business types
- Associates buying their first practice
- Existing owners adding a second or third location
- Specialists (ortho, perio, endo, oral surgery) opening de novo
- Owners financing major equipment (CBCT, CAD/CAM, chairs)
- DSOs and partnerships acquiring solo practices
Situations it fits
- You're acquiring or buying into an existing practice
- You want longer terms than your local bank will offer
- You're financing 100% practice + working capital in one note
- You're refinancing prior practice debt
Typical terms
The numbers, as straight as we can give them
These are typical ranges for dental practice loans files we place for Dallas-area borrowers. Final rates and terms depend on the lender and the borrower profile.
- Typical loan amount
- $100K - $5M (SBA) · larger for conventional and DSO deals
- Term length
- 10 - 25 years
- Time to funding
- 30 - 60 days to fund
- Qualification basics
- DDS/DMD, 1+ year experience, decent personal credit, practice DSCR ≥ 1.2
- Documentation
- Practice financials (3 yrs), purchase agreement, owner PFS + tax returns
- Cost to apply
- $0 upfront. No fees, no obligation.
How to apply
From first call to funded in days
- 01
Talk to a Dallas advisor
Quick 15-minute call. We confirm dental practice loans is the right structure, or recommend a better-fitting program.
- 02
Submit your file
One-page application plus 3 months of business bank statements. Most files don't require tax returns.
- 03
Compare real offers
Within 24-72 hours we bring back 2-4 funded offers from lenders actively writing this program for Texas borrowers.
- 04
Sign and fund
Pick the offer that fits. Funds land in your business account, often the same business day.
Benefits
Why Dallas owners pick dental practice loans through us
Decisions in hours
Files for dental practice loans are usually screened the same day they arrive.
No upfront fees
We're paid by the lender on close. You see real offers before any commitment.
Multiple lenders, one file
One application, side-by-side offers, so you choose on facts, not pressure.
Texas-based advisors
Local underwriters who understand Dallas business profiles and Texas filings.
Soft credit pull to quote
Initial review is a soft pull, with no impact to your personal credit score.
Built around your cash cycle
Term, draw structure, and payment cadence sized to how your revenue actually arrives.
Common uses
How Dallas businesses actually use it
A few of the real-world reasons dental practice loans shows up in our pipeline each month.
Practice acquisition
Up to 100% financing of purchase price plus working capital under SBA 7(a).
De novo (start a practice from scratch)
Equipment, build-out, and working capital runway in one loan.
Buy or upgrade equipment
CBCT, CAD/CAM, chairs, sterilization, and IT, financed over useful life.
Buy your office building
SBA 504 for owner-occupied real estate at long terms and high leverage.
Refinance prior practice debt
Consolidate equipment, acquisition, and working capital debt under one SBA payment.
FAQ
Dental Practice Loans questions, answered
Can a new associate buy a practice?
How much can I borrow for a dental practice?
Do I need to put money down on a dental practice acquisition?
How long does a dental practice loan take to close?
Can I finance real estate with my practice acquisition?
Related financing
Other industry-specific programs
Not sure this is the right fit? These are the most common alternatives Dallas owners look at alongside it.
Talk to a Dallas advisor
Talk to a Dallas advisorReady to talk dental practice loans?
One 15-minute call tells you whether we can place your file, what terms to expect, and what your application needs to look like first.
Mon-Fri · 8AM - 7PM CT · 8100 Lomo Alto Dr, Dallas, TX 75225