Industry Authority Center
Insurance reimbursements take 30–90 days. Equipment breaks without notice. Practice acquisition requires capital faster than any SBA timeline allows. This resource center was built for healthcare practice owners who need funding that moves at practice speed — not bank speed.
Dental offices can finance equipment purchases through MCAs in as little as 24 hours. No real estate or equipment collateral required. 500 FICO minimum. The underwriter evaluates your last 3 months of practice deposits — including patient payments, insurance reimbursements, and financing plan receipts.
Start with the funding path that matches your situation.
You deliver the service on Day 1. You don't see the insurance payment until Day 45–90. That's the gap MCA bridges.
Unrestricted capital — goes where your practice needs it most.
Guides and references built for practice owners navigating equipment, insurance, and expansion funding.
Complete guide to dental office equipment financing — MCA vs. equipment loans vs. manufacturer financing. Real cost comparisons, timeline breakdowns, and what underwriters look for in practice bank statements.
Read the Guide →Side-by-side comparison including practice acquisition scenarios. When SBA makes sense for a practice purchase, and when MCA is the faster, more realistic bridge. Complete decision matrix.
Compare Products →Bank declined your practice expansion or equipment request? This guide explains what underwriters actually look at and the realistic path to capital for healthcare practices with bank decline history.
Get the Guide →For practice owners new to MCA — complete explanation of how it works, what it costs, how daily repayment interacts with insurance deposit cycles, and what distinguishes it from a practice loan.
Read the Guide →What does a 1.22 factor rate mean for a dental practice? How to compare two advance offers in real dollar terms and understand what your daily holdback looks like against practice deposit cycles.
Read the Guide →From application to funded — what happens at each step, what documents you need, and exactly what to expect before and after you apply. Written for practice owners.
See the Process →The 4 factors that determine your practice's approval odds, advance amount, and factor rate.
Healthcare practice factor rates: 1.15–1.32 for strong profiles (practices typically receive favorable rates due to revenue consistency). 1.32–1.48 for shorter history or higher NSF frequency.
Same practice, two completely different underwriting conversations.
Dental and medical practices are among the most consistently funded industries in MCA. Combined patient payments and insurance reimbursements typically create strong monthly deposit volume. Read the full Dental Equipment Financing Guide →
Common questions from practice owners about MCA qualification, amounts, and how funding works for healthcare.
Yes. Dental offices qualify for MCA funding with 500+ FICO, 6+ months in business, and $8,000+/month in business bank deposits. Underwriters evaluate your last 3 months of deposits — including patient payments, insurance reimbursements, and financing plan receipts — not your practice asset value or real estate.
Dental offices can finance equipment purchases through MCAs in as little as 24 hours. Most applications receive a decision within 2–4 hours of submitting 3 months of bank statements. Funding is deposited 24–48 hours after contract signing.
Dental practice MCA amounts typically range from $20,000 to $500,000 depending on monthly deposit volume. A practice averaging $40,000/month in deposits may qualify for $30,000–$60,000. Practices with consistent $100,000+/month in deposits may qualify for $150,000–$500,000.
Yes. MCA funds can be used for dental equipment, imaging systems, exam room buildout, software upgrades, CBCT machines, laser equipment, or any other practice investment. Funds are unrestricted. Many practices use MCA as a bridge for equipment purchases while waiting for traditional financing approval.
No. MCA for dental and medical practices does not require real estate, equipment, or personal assets as collateral. Repayment comes from a daily percentage of your business bank deposits — typically 8–14%. No liens on equipment, no real estate pledge required.
Insurance reimbursement delays are common — 30 to 90 days between service and payment is typical. MCA underwriters see all deposits including delayed insurance checks when they appear in your bank statements. Strong combined patient payments and eventual insurance reimbursements often produce excellent monthly deposit volume for MCA qualification.
If you acquired an existing practice, the 6-month clock starts from when the business bank account began receiving deposits under current ownership. A practice acquired 6+ months ago with consistent revenue deposits qualifies under standard MCA criteria.
One-page application. 3 months of bank statements. Decision in 24–72 hours.
500 FICO OK · No real estate collateral · $8K/month minimum deposits
Or call/text: 330-238-3003
