Dental Office Loans for Practice Owners.
Buy your dental office building, finance a buildout, or acquire a practice — with SBA, conventional, and specialized dental lending options designed for dentists.
What Type of Dental Property Are You Financing?
Dental offices are among the strongest SBA use cases. Lenders love the recession-resistant nature of dental care and the professional creditworthiness of dentists.
Loan Options for Dental Offices
SBA is the dominant path for dentists. Specialized dental lenders also offer competitive terms.
The #1 choice for dentists. Buildout costs (operatories, X-ray shielding, plumbing, compressed air) and major equipment (chairs, CBCT, panoramic) rolled into one fixed-rate loan.
Best for buying a practice + building together. One loan covers goodwill, patient charts, equipment, real estate, and opening working capital.
Faster than SBA for established dentists with strong financials and 20–25% down. Some banks have dedicated dental/medical lending divisions.
For equipment purchases separate from real estate. Dental chairs ($5K–15K each), CBCT scanners ($80K–$150K), CAD/CAM systems, and sterilization equipment.
What Lenders Evaluate for Dental Office Loans
How Dental Office Financing Works
Define Your Project
Buying a building for your practice, building out a leased space, acquiring an existing practice, or purchasing equipment? Each has a different optimal path.
Submit to BestLoanUSA
Share practice financials, personal credit, property details, and buildout scope. No hard credit pull at this stage.
Advisor Review
Dedicated advisor evaluates whether SBA 504, 7(a), conventional, or equipment financing is the right structure and identifies lenders with dental practice experience.
Lender Matching
We submit to dental-experienced lenders including banks with dedicated healthcare/dental divisions. You receive competing offers.
Underwriting & Appraisal
Dental-specific appraisal. Provide 2 years tax returns, practice P&L, patient count trends, equipment list, and buildout estimates.
Close & Build Out
SBA: 60–90 days. Conventional: 30–45 days. Equipment: 7–14 days. TI funds on draw schedule during operatory construction.
Ready to Own Your Dental Office?
No credit pull. No commitment. See what financing is available for your practice.
Frequently Asked Questions
If you plan to practice for 5+ years in the same location, buying builds significant equity and locks in occupancy cost. SBA 504 makes this accessible at just 10% down. Dental offices with specialized plumbing and X-ray infrastructure are expensive to rebuild, so owning gives you control over your most critical asset.
Yes. SBA 7(a) is specifically designed for this. One loan covers practice goodwill, patient charts, existing equipment, the real estate, and even opening working capital. This is the most common structure when buying an existing practice that includes the building.
Dental buildout typically runs $80–$150 per square foot. Each operatory costs $30K–$80K fully equipped (chair, delivery unit, light, cabinetry, plumbing, vacuum, compressed air). A 4-operatory practice in 2,000 sqft may cost $200K–$400K for the buildout alone, not including the building purchase.
Dental chairs ($5K–15K each), CBCT scanners ($80K–$150K), CAD/CAM milling systems ($100K+), panoramic X-ray units, sterilization equipment, and operatory cabinetry can all be financed. Equipment loans are secured by the equipment itself and close in 7–14 days.
For the dental license yes, but for financing, new graduates can qualify. Many dental-specific SBA lenders work with recent dental school graduates acquiring their first practice. Strong personal credit (680+), a realistic business plan, and a transition plan with the selling dentist strengthen the application significantly.
DSOs acquiring multiple practices typically use conventional or private equity financing rather than SBA. For individual dentists selling to a DSO and buying out the real estate separately, SBA 504 or conventional financing works. DSO roll-up financing is a specialized category — ask Jason about options.
