73% of dental practices need external financing within their first three years. Whether you're acquiring an established practice in Kettering or upgrading digital imaging equipment in Beavercreek, capital structure determines growth velocity.
Loan programs
Dayton dental practices typically use SBA 7(a) loans for ownership transitions and practice acquisitions, equipment financing for CEREC mills or cone-beam CT scanners, and working capital lines to smooth the 45-90 day insurance reimbursement cycle common with Delta Dental and Anthem plans prevalent across the Miami Valley. Burnside Lending Group compares lender appetites and structures terms around your existing patient revenue, not generic formulas.
Dayton's dental market sits at the intersection of Wright-Patterson Air Force Base families in Fairborn, Kettering Health Network's referral corridors, and suburban growth in Centerville. That diversity creates uneven cash flow: military dependents churn every 24-36 months, Medicaid reimbursement rates lag private pay by 40%, and cosmetic procedures concentrate in higher-income Beavercreek and Centerville ZIP codes. Traditional dental practice lenders apply cookie-cutter debt-service ratios that ignore these local realities.
Equipment obsolescence accelerates the problem. A digital panoramic X-ray system costs $35,000-$55,000, CAD/CAM milling units run $80,000-$150,000, and the average general practice replaces or adds major equipment every 4-6 years. Banks often cap equipment financing at five-year terms with 25% down, forcing practices to either drain operating reserves or defer technology upgrades that drive case acceptance and referral volume.
Partnership buyouts and practice acquisitions add another layer. When a senior dentist in Huber Heights retires and sells to an associate, the transaction might involve real estate, patient charts, equipment, and goodwill. Blending dental business financing across those asset classes requires lenders who underwrite on trailing twelve-month collections and adjusted EBITDA, not just hard collateral.
Loan programs
handle practice acquisitions and ownership transitions up to $5 million with 10- to 25-year terms, spreading payments to preserve working capital. We compare SBA lenders who understand dental-specific goodwill multiples and associate-to-owner transitions.
More on SBA 7(a) Loansmatches the loan term to the equipment's useful life. A $120,000 intraoral scanner and milling system might carry a seven-year note, while operatory chairs and delivery units finance over five years.
lines of credit bridge the gap between patient treatment and insurance payment. If you bill $80,000 in a month but wait 60 days for reimbursement, a $50,000 line covers payroll, lab fees, and supplies without touching your emergency fund.
converts outstanding insurance receivables into same-week cash at a discount, useful when you're onboarding a large employer group or launching a new location in Moraine and can't wait for payer cycles.
We're a commercial-loan broker at 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH, reachable at (937) 389-9513. We don't lend; we compare lender appetites, negotiate terms, and assemble the documentation package. For dental practices, that means pulling production reports, payer mix breakdowns, and hygiene-to-doctor ratios, then matching them to lenders who value recurring patient revenue and associate productivity.
Flexibility of terms matters when your largest contract is a Medicaid managed-care plan that pays 90 days in arrears or when you're adding an associate who won't hit full productivity for 18 months. We structure step-up payments, interest-only periods during build-outs, and blended facilities that cover multiple needs under one closing.
Explore our full range of commercial business loan programs in Dayton or review the service areas we cover across the Miami Valley.
A three-doctor general practice near Kettering Health Main Campus wanted to add an endodontist and oral surgeon, requiring a 1,200-square-foot build-out, two new operatories, a cone-beam CT, and working capital to cover the surgeons' ramp-up. Total need: $385,000.
We compared an SBA 7(a) real-estate component for the build-out, equipment financing for the imaging system and operatories, and a $75,000 working-capital line. The blended structure kept the monthly outlay below $4,200, and the practice hit break-even on the new specialists within eleven months as referrals from Kettering Health and Soin Medical Center ramped.
SBA loans
Yes. SBA 7(a) loans finance up to 90% of a dental practice purchase price, including goodwill, equipment, patient charts, and real estate. Terms stretch to 25 years for real property and ten years for goodwill and equipment, lowering monthly payments and preserving cash flow during the ownership transition. Lenders underwrite on trailing collections, adjusted owner compensation, and payer-mix stability.
Working capital
Absolutely. Equipment financing isolates the asset and matches the loan term to its depreciation schedule, often with a $1 buyout. Working capital lines remain revolving and unsecured (or lightly secured), giving you flexibility to draw and repay as patient volume and insurance cycles fluctuate. Separating the two often yields better rates and covenants than a single term loan.
Expect to provide 24-36 months of profit-and-loss statements, balance sheets, business and personal tax returns, a schedule of accounts receivable by payer, equipment appraisals or invoices, and a practice-transition agreement if you're buying in. Lenders also review your payer mix, hygiene recall rate, and associate production to gauge stability and growth potential.
Equipment financing and working-capital lines can close in two to four weeks with clean financials. SBA 7(a) practice acquisitions typically take 60-90 days due to environmental surveys (if real estate is involved), goodwill appraisals, and SBA processing. Starting early and organizing documentation accelerates every step.
Serving the Dayton area
We know which lenders fund which kinds of Dayton businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
