Industry expertise
Financing for Dental Practices
Dental practices carry some of the highest equipment and acquisition costs in small business, and TrustFi helps fund the chairs, imaging, and buy-ins that come before revenue does.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how dental practices actually run
Dentistry is capital-intensive in a way few small businesses are. A single operatory with a modern chair, digital imaging, and sterilization equipment represents a major investment before it ever treats a patient, and buying an existing practice from a retiring dentist or buying into a partnership means committing a large sum well before that patient base generates steady revenue. On top of that, PPO reimbursements and third-party patient financing plans can take weeks to pay out, while lab fees for crowns, dentures, and other outsourced work are due to the lab immediately, regardless of when the practice collects.
TrustFi builds financing around those realities instead of a generic small-business template. That could mean an SBA-backed loan for a practice acquisition, a collateralized loan against equipment or property to lower your rate on a major purchase, or a term loan for a new chair or CEREC system. The application takes under 10 minutes, applying does not impact your credit score, and there are no hidden fees to untangle later. With over 20 years of experience funding small businesses, TrustFi understands that a dental practice's biggest costs often come well before its biggest revenue.
What we hear
The cash-flow pressures you know too well
Operatory buildout costs precede patient revenue
A single dental chair paired with digital imaging and sterilization equipment can represent a major capital outlay, and that cost is fully due before the operatory treats a single patient or generates a dollar of production.
Practice acquisition and buy-in require large sums
Buying an existing practice from a retiring dentist or buying into a partnership means committing significant capital upfront, long before the acquired patient base and existing production stabilize into predictable, steady revenue for the new owner.
Insurance and patient financing payments lag
PPO reimbursements and third-party patient financing plans can take weeks to pay out, while lab fees for crowns, dentures, and other outsourced dental work are due to the lab immediately, regardless of when the practice actually collects.
December rush, January slowdown
Many practices see a surge in production each December as patients use remaining insurance benefits before they expire, followed by a seasonal dip once annual deductibles reset in January and patients delay elective treatment.
Where the money goes
What dental practices use funding for
- Purchasing a new dental chair with digital imaging
- Financing a CEREC or CAD-CAM milling system
- Buying an existing practice from a retiring dentist
- Funding an associate buy-in or partnership purchase
- Expanding into a second operatory or location
- Covering lab fees while insurance reimbursement is pending
Our recommendation
Funding options that fit dental practices
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
SBA Loans
SBA-guaranteed financing fits a practice acquisition or partner buy-in well, offering lower rates and longer terms for a purchase you'll be paying down over many years of production.
How it works - Option 2
Collateralized Business Loans
Securing funding against dental equipment or practice property can lower your rate on a major purchase like a CEREC system, a full operatory buildout, or a second location.
How it works - Option 3
Business Term Loans
A straightforward lump sum for a new chair or imaging system, repaid on a fixed schedule that's easy to budget against predictable patient revenue.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can TrustFi help finance buying an existing dental practice?
Yes. Practice acquisitions are one of the most common reasons dentists come to TrustFi. SBA-backed loans and collateralized business loans both suit this kind of large, one-time purchase, offering longer terms and lower rates than a typical short-term product for a purchase you'll be paying off over years.
Is TrustFi the direct lender on SBA loans for dental practices?
No. TrustFi helps dental practices access SBA-guaranteed financing options, which offer lower rates and longer terms but involve a more detailed qualification process. TrustFi is not the direct SBA lender and does not guarantee approval or a specific rate on any financing product.
Can I finance new equipment like a CEREC system or digital imaging?
Yes. Term loans and collateralized business loans are both built for equipment purchases like a CEREC mill, digital X-ray or CBCT imaging, or a new operatory chair. You receive a lump sum up front and repay it on a fixed schedule, which makes budgeting for major equipment easier.
How fast can a dental practice get approved for funding?
Approval speed depends on your revenue history and the product you choose, but funding can arrive in as little as 24 hours once approved. TrustFi backs every application with a 2-hour response guarantee, so you get a clear answer quickly rather than waiting days to plan an equipment purchase or acquisition.
Will applying for financing affect my credit score?
No. Applying with TrustFi does not impact your credit score. You can review what your practice qualifies for and compare terms before deciding whether to move forward, with no risk to your personal or business credit standing during the process.
Are there hidden fees in dental practice financing?
No. TrustFi lays out costs upfront before you sign anything, so there are no hidden fees buried in fine print. You'll know exactly what an SBA-backed loan, collateralized loan, or term loan costs before you commit, making it easier to weigh against the value of the equipment or acquisition.
Funding for dental practices, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees