DENTAL PRACTICES • LINE OF CREDITDental practice financing — keep every chair working
Loot offers dental practices an unsecured business line of credit from $5,000 to $100,000. Use it to cover equipment, payroll and supplies, or give your practice the room to add a chair or open a second location without draining the cash needed for everything else. Established dental practices with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Dental practice challenges: equipment, payroll and reimbursement timing
Running a dental practice means paying hygienists, associates and front-desk staff, keeping supply cabinets stocked, and servicing equipment on schedule — all while insurance reimbursements can take weeks to land. A full schedule doesn't always mean cash in the bank; the gap between finishing a procedure and getting paid by an insurer can put real pressure on a practice's cash flow.
Cover payroll for hygienists and associates while reimbursements are pending- Purchase or upgrade equipment like imaging systems and CEREC units
- Stock composites, impression materials and other supplies between orders
Where a dental practice line of credit does the heavy lifting
Six moments when dental practice cash flow needs backup — and how a Loot line of credit can help.
Cover payroll while insurance reimbursements are pending
Hygienists, associates and front-desk staff still need to be paid on schedule, even when a batch of insurance claims is still processing. A line of credit can help cover payroll without pulling cash away from supplies or equipment.
Invest in imaging, CEREC or CBCT equipment
Digital imaging, CEREC same-day crown systems and CBCT scanners can transform a practice's capabilities, but they carry a large upfront cost. A line of credit can help a practice add or upgrade equipment without waiting to save up the full amount in cash.
Stock supplies and dental materials between orders
Composites, impression materials, PPE and other consumables need to be on hand before the next patient sits down. A line of credit can help keep the supply cabinet stocked without straining the budget for payroll or rent.
Open a second chair or new location
Adding an operatory or opening a second location can mean build-out costs, new equipment and additional staff before patient volume ramps up. A line of credit can help a practice expand without draining the cash needed to run its existing locations.
Cover outside lab fees and case costs
Crowns, dentures and other lab work are often billed to the practice before the corresponding payment from the patient or insurer is finalized. A line of credit can help cover lab invoices so a case isn't delayed waiting on cash.
Handle equipment repairs and downtime
A broken chair, compressor or sterilizer can shut down an operatory fast. A line of credit can help cover a same-day repair or replacement so the schedule doesn't fall behind.
How a dental practice line of credit helps
A business line of credit for dental practices provides flexible capital for equipment, payroll and supplies. Draw loot when needed, repay as reimbursements come in, and keep every chair working.
Loot for equipment
Draw capital instantly to invest in imaging, CEREC or CBCT systems.
No hidden costs
Only pay for what you use — no extra fees drilling into your margins.
Fits any practice size
From a single-chair practice to a multi-location group, the line flexes with your needs.
Trusted by dental practices
Built by operators who understand reimbursement lag, equipment costs and payroll timing. Transparent pricing, no hidden costs.
Speed that beats a canceled appointment
From application to funding, Loot provides dental practices with capital faster than a claim gets processed.
Flexible like a treatment plan
Use a little or a lot. Repay as reimbursements clear. Scale limits as the practice grows.
How a Loot line of credit works for a dental practice
Say your practice needs $22,000 for a down payment on a new intraoral scanner, hygienist payroll, and a supply restock while a batch of insurance reimbursements is still processing. With Loot, you can draw $22,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If reimbursements land sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for dental practice financing
To qualify with Loot, your dental practice needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Dental practice line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your dental practice needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Equipment, payroll timing, supply restocks, reimbursement gaps, expansion | Larger one-time purchases like a full operatory build-out | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large purchase. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat dental practice needs, like equipment upgrades, payroll timing, supply restocks, and reimbursement gaps.
What dental practices can use a line of credit for
- Imaging systems, CEREC and CBCT equipment
- Hygienist, associate and front-desk payroll
- Composites, impression materials and PPE
- Outside lab fees and case costs
- Chair, compressor and sterilizer repairs
- Reimbursement gaps between claims and payment
- New operatory or location build-out costs
- Hiring, expansion, or new equipment
Draw funds when the practice needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for general dentistry practices
Financing for general dentistry practices can help owners manage payroll, supply costs, and reimbursement timing. Claims can take weeks to process even after a procedure is complete. A line of credit can help cover payroll and supplies while cash catches up.
Financing for orthodontic practices
Financing for orthodontic practices can help cover the cost of imaging systems, aligner and bracket inventory, and staff payroll. Treatment plans often run for months, which can stretch the timeline between the first visit and full payment. A line of credit can help keep the practice funded in between.
Financing for oral and maxillofacial surgery practices
Financing for oral and maxillofacial surgery practices can help cover surgical equipment, staffing, and case costs. These practices often carry higher equipment and staffing costs than a general practice. A line of credit can help fund those costs while insurance and patient payments are still processing.
Financing for pediatric dental practices
Financing for pediatric dental practices can help cover staffing, sedation equipment, and office costs sized for a younger patient base. A line of credit can help a practice invest in equipment or staff without waiting on a full cash reserve.
Financing for dental support organizations and multi-location groups
Financing for dental support organizations and multi-location groups can help cover payroll and supply costs across multiple offices at once. A line of credit can help keep every location running while reimbursements land on different schedules.
Financing for dental equipment and technology upgrades
Financing for dental equipment and technology upgrades can help cover the cost of a new CEREC unit, CBCT scanner, or digital imaging system. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if reimbursements clear sooner.
Don't take our word for it. Take theirs.
Loot funds small businesses across the US, and in our category we score in the top 5% of lenders for credibility, customer service, and user experience.
I will only use Loot
“I will only use Loot in the future for any financial needs my business might have and saying goodbye to everyone else!”
Dental practice financing FAQs
Yes. Dental practices can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your practice still needs 1+ year in business and $200K+ in annual revenue to qualify.
Dental practices can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Dental practices can use a Loot line of credit for imaging systems, CEREC units, CBCT scanners, and other equipment. You see the total cost before confirming and only pay when you draw.
Yes. Dental practices can use a Loot line of credit for hygienist and associate payroll, front-desk staffing, and supplies like composites and impression materials. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll, supplies, and lab fees while claims are still processing, so a practice doesn't have to wait on an insurer to keep operating smoothly.
Apply for dental practice financing today
Whether you need to keep payroll and supplies covered or want more room to add a chair or open a new location, a business line of credit can give your practice working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49