Whether you’re a solo practitioner starting your first dental office or expanding a thriving multi-location practice, smart financing can be the difference between surviving and scaling. At Capital MBS, we specialize in helping dentists access SBA 7(a) loans, flexible working capital, and tailored practice financing solutions that empower long-term success.

What Is a Dental Practice Loan?

A dental practice loan is designed specifically for dental professionals seeking to start, expand, purchase, or refinance a dental practice. While traditional banks like Bank of America offer tailored “Practice Solutions” loans for dentists, Capital MBS provides access to over 80 lenders, including SBA-approved lender that are often more flexible and faster to fund.

Why SBA 7(a) Loans Are a Powerful Tool for Dentists

The SBA 7(a) loan is the most popular and versatile financing program backed by the U.S. Small Business Administration. Unlike traditional loans, the SBA guarantees up to 85% of the loan, reducing risk for lenders and providing dental professionals more access to funding — even with limited credit or experience.

Key SBA 7(a) Loan Highlights:

• Up to $5 million in funding

• 10 to 25-year terms

• Low interest rates (Prime + 2.75% or better)

• Low down payments (as little as 10%)

• Used for nearly anything: acquisition, equipment, real estate, working capital, or refinancing

What You Can Do with Dental Practice Financing

Capital MBS connects dentists with the funding they need for:

Start-Up Funding

Launching your own practice? Use SBA or private lender financing to:

• Lease space or build from the ground up

• Purchase top-tier dental equipment

• Hire staff, handle payroll, and manage early expenses

• Cover marketing and patient acquisition

Practice Acquisition

Buy an existing practice, partner with a retiring dentist, or expand into new markets with:

• 100% financing (in some cases)

• Flexible terms

• Fast pre-approvals

• Guidance on valuation and deal structure

Equipment Loans

Finance everything from digital scanners to CBCT imaging units with customized loans:

• Chairside CAD/CAM systems

• Digital X-ray machines

• Sterilization centers

• Software systems and more

• Dental Billing Software

• Dental Equipment Leasing

Working Capital Loans

Maintain healthy operations with:

• Funds for inventory, payroll, and office expenses

• Short-term or revolving lines

• Seasonal cash flow support

Required Documents for SBA 7(a) Dental Practice Loans

Being prepared with documentation ensures a smooth process. You’ll need:

• 3 years of business and personal tax returns

• Interim profit and loss statement

• Balance sheet

• Personal financial statement

• Resume with a dental experience

• Business plan with projections (for startups)

We Serve Dentists Across Major Cities

Capital MBS provides customized dental financing in Philadelphia, Miami, Chicago, and beyond.

Philadelphia

Dental startups in growing suburbs or inner-city revamps can benefit from creative SBA structures and low monthly payments.

Miami

With its booming population and medical tourism, Miami is ideal for specialty or cosmetic dental practices seeking expansion capital.

Chicago

We assist with acquisitions, expansions, and working capital solutions in the Midwest’s largest dental market.

We Serve Dentists Across Major Cities

Capital MBS provides customized dental financing in Philadelphia, Miami, Chicago, Columbus, and beyond.

Philadelphia

Dental startups in growing suburbs or inner-city revamps can benefit from creative SBA structures and low monthly payments.

Miami

With its booming population and medical tourism, Miami is ideal for specialty or cosmetic dental practices seeking expansion capital.

Chicago

We assist with acquisitions, expansions, and working capital solutions in the Midwest’s largest dental market.

Columbus, Ohio

Columbus is one of the fastest-growing cities in the Midwest. We help dentists here secure SBA 7(a) loans to open modern practices, purchase dental chairs X-ray machines, and implement advanced dental software solutions to meet rising patient expectations.

Let’s Fund Your Practice Growth

At Capital MBS, we don’t just get you funded — we become your long-term financial ally. Whether you’re expanding your footprint or building a brand-new office, we’ll help you navigate the maze and secure capital that matches your vision.

Call us today at 215-688-5806

Or visit www.capitalmbs.com to get prequalified in minutes — no hard credit pull required.

Capital MBS — When banks say no, we say yes.