The Best Lines of Credit for Dentists

Funds readily available through a line of credit are essential for preparing and handling unexpected expenses.

Truly amortized product, where you only pay interest on money that is drawn from line.

Unsecured programs, no collateral needed, up to $250,000.

Annual Interest Rates are Prime (8.5%) + 0% to 2%.

How much do you need to access?
*FREE to Apply & NO credit check
Approvals Up To
Terms as low as
WSJ PR + 0% -2%
Approvals as fast as

Grow Your Business with a Line of Credit.

Funds that are Available When You Need Them Most.

Seasoned Dentists know the importance of a cash cushion, which bridges the gap between operational expenses and future receivables

Find the Best Option

A Quick and Easy Process from Start to Finish.

Finding the perfect line of credit facility is now easy! We work closely with you every step of the way to ensure everything goes smoothly.

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How Line of Credit Depot Works:

To qualify for a line of credit, your dental practice should have demonstrated profitability on the most recent filed business tax return. This showcases your ability to afford payments after drawing funds from the line of credit. Even if your last tax return shows net losses, you may still be eligible.

Certain expenses (non-taxables) on the return can be "added back"
to the net profit amount, bringing your business to a qualifying requirement.

Examples of expenses that may be added back in are certain interest paid on borrowed money and depreciation expense incurred by use of equipment or real estate owned by company's members other than owner/officer/partner who is requesting loan.

Truly amortized product, where you only pay interest on money that is drawn from line.
Unsecured programs, no collateral needed, up to $250,000.
Annual Interest Rates are Prime (8.5%) + 0% to 2%.
Monthly payments with interest only options
How much do you need to access?
*FREE to Apply & NO credit check
Recent Success Story
Flexibility and Breathing Room: How We Helped a 3 Year Old Dental Practice in Eastern Virginia Thrive
In the early Spring of 2022, this Virginia based family Dental Practice applied with Line of Credit Depot after being declined by their local bank for a credit line.

The business was paying 3 Merchant Cash Advances that were taken during the slower Winter/Holiday season. Debt servicing for the 3 MCAs was approx. $12,000 per month, which was hindering available cash flow as the company started to ramp up for the busy post Holiday Season.

This debt servicing coupled with the need for working capital for some capital improvements, meant that the business needed commercial finance guidance. Instead of taking on another high interest loan at 40%, Line of Credit Depot was able to approve the business with a preferred Virginia Bank for $160,000 unsecured/revolving business line of credit. The process from start to finish took 3 weeks.

The business was able to pay off the expensive short term MCA debt and was able to access working capital for the upcoming busy season. The Line of Credit has allowed the business to operate smoother by adding additional staff to see more patients in a shorter amount of time. This directly relates to more income for the business.

Going forward the business will have access to funds as needed to help with cash flow needs to keep the business fully operational as receivables come in.

We provide the Dentist industry with bank-level financing

Streamline the process by filling out a simple online application. Say goodbye to lengthy paperwork and complex forms.
Our team of financial experts is dedicated to understanding your unique needs. We'll work closely with you to define the perfect financing option tailored to your business requirements.
Receive a range of offers from our trusted network of lenders. Take your time to evaluate and compare the options available. Choose the one that aligns perfectly with your goals and vision.
Experience the joy of quick and efficient funding. Within just a few days, your business will have the financial boost it needs to thrive. It's that simple!

"See if you qualify before you apply. Answer a few questions about your business to get a pre-approval."

Matthew Elling
Small Business Financing Expert & Founder of Line of Credit Depot
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geared towards your Dental company
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There are around 200,000 dental businesses in the United States. If you own a dental practice or cosmetic dental office, a bank line of credit may help you sustain and grow your business. You don’t have to go to the dentist to know how important dental health is. Most Americans take their dental care seriously, so dentists are in high demand. With this demand comes the opportunity to have a successful dental practice. As is true with any healthcare business, the expenses associated with actually providing care are expended prior to getting paid. Insurance companies only pay dentists after a procedure is done. This can make it challenging for dentists to operate their businesses with this constant A/R backlog.

When a dental office draws from a line of credit, they are generally needing cash to bridge the gap between operational expenses and future receivables. Insurance companies take a long time to payout, so seasoned dentists know that a cash cushion can help. Besides general planned expenses, such as rent and labor, unexpected expenses such as equipment replacement can get expensive. Even though imaging machines such as x-ray machines and dental tools can be financed, most often smaller instruments are paid in cash. These instruments are constantly needed for proper patient care.

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For each dollar spent on labor an estimated $0.08 is spent on capital expenditures. This shows that labor costs are high for dental hygienists and dentists alike. More patients is great to have, but labor will need to be increased if your practice has a high patient load. So, with more patients comes more need for staff. The cost of labor can get quite expensive, so dentists that have a large patient volume, but maybe have a slow collections process, often use a line of credit to pay wages. Patient out-of-pocket payments help with this cash-flow problem, but nonetheless, a credit gap can happen if dentists see more patients than they are currently being paid for at that particular time.

Lines of credit for healthcare professionals are affordable and surprisingly easy to get. We take care of finding the right bank for your dental practice. Please visit our streamlined application to check your availability for a line of credit, also please keep in mind that we do not require a credit check to initially apply.

Our banks approve dental practices all across the country. We see that approvals for the dental industry are historically high, and the actual approval amounts are quite high; ranging from $150,000 to $300,000 credit facility approvals.