Practice financing that doesn't require a hospital-system co-sign.
Independent medical, dental, vet, and specialty practices have unique cash flow patterns — insurance lag, equipment cycles, and partner buy-ins. We work with funding providers that actually understand practice economics.
Quick answer
MerchantRunway helps dental practices practices review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Equipment & technology
Imaging, chairs, lasers, EHR systems, and specialty equipment financed in days.
Practice acquisition or partner buy-in
Bridge funding to close on a practice purchase or a partner buyout.
Build-out & expansion
Open an additional operatory, expand exam rooms, or remodel your space.
Insurance lag bridge
Cover payroll and operating expenses while waiting on insurance reimbursements.
Marketing & patient acquisition
Fund a paid acquisition push, new website, or community marketing program.
Tax season & pass-through draws
Smooth out cash flow around quarterly tax payments and partner draws.
How approval is evaluated
- Associate-owned, partner-owned, and DSO-affiliated practices may be reviewed by providers.
- Insurance receivables and predictable monthly volume may support provider review for some practices.
- We can structure around personal guarantees on multi-partner practices.
- Equipment financing with 100% financing options on most major manufacturers.
- Credit profile is one input; practice revenue, insurance receivables, and existing obligations shape available options.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.