Dental practices invest heavily in technology and people. A new CBCT scanner, intraoral cameras or a chair-side milling unit can change what you offer patients, but the cost lands all at once. Insurance reimbursements arrive later, and patient financing can stretch collections further. General dentists, orthodontists, oral surgeons, pediatric dentists and dental service groups use a merchant cash advance to grow without waiting on claims.
Need merchant cash advance funding of $25K to $5M for your dental business?
How Dental Practices Use a Merchant Cash Advance
Buying digital X-ray, CBCT, scanners or same-day crown equipment
Adding operatories or remodeling the office
Hiring hygienists, assistants and associate dentists
Upgrading practice management and imaging software
Marketing cosmetic, implant or clear aligner services
Acquiring another practice or opening a new location
Cash Flow in the Dental Business
Dental practices often have strong, steady revenue but face a timing gap between treatment and collections, especially with insurance-heavy patient bases. Big equipment purchases and new hires require capital up front. A merchant cash advance provides money based on future revenue so the practice can invest now. Funders review deposits from insurers, patient collections and card transactions, and a practice with a loyal patient base usually presents well.
How a Merchant Cash Advance Works
A merchant cash advance is a purchase of a portion of your future receivables. A funder provides a lump sum, typically between $25,000 and $5,000,000, and collects an agreed share of your revenue over time, either as a percentage of card sales or as a fixed daily or weekly remittance. Because the funder is buying future revenue, reviews focus on how your business performs, not only on your credit history. Every offer, including the total amount to be remitted, comes from the funder and is spelled out in the agreement before you sign.
A Typical Scenario
Think of a general dentist who refers out every implant case and same-day crown. Adding a CBCT unit and milling system would keep that revenue in-house and shorten treatment times for patients. Capital up front covers the purchase and training, and the practice starts recapturing procedures it used to send elsewhere within the first few months.
What Funders Look At
Funders generally look at bank statements, time in business, ownership structure and the practice's location. Licensed dentists with consistent collections are often reviewed favorably. Practices that offer elective services may show additional card revenue. Sharing a short summary of planned equipment purchases, new hires or expansion goals helps funders see how the capital will grow production and support the practice.
Our Process in 3 Steps
Apply online. Complete our short Funding Application and attach recent business bank statements.
Compare offers. We present your dental business to funders in our network and walk you through the offers that come back.
Get funded. Once you accept an offer and the funder approves, funding can arrive in as little as 24–48 hours, depending on the funder.
Why Forward Funders
Forward Funders LLC is a broker, not a direct funder. We shop your file to multiple funders so you can compare options side by side instead of applying one at a time. Our team is based in Staten Island, New York, and works with dental owners across the country. Call (718) 619-9867 or visit our Apply page to get started.
Frequently Asked Questions
Can orthodontists and oral surgeons apply?
Yes. Specialists with steady collections are reviewed regularly.
Can I use the funds for equipment?
Yes. Imaging, scanners and milling units are common uses.
Do insurance delays hurt my application?
No. Funders focus on actual deposits, and steady insurance reimbursements help.
Is patient information needed?
No. Funders review business bank statements, not patient records.
Can I use the funds to buy another practice?
Many dentists use working capital toward expansion, including acquisitions. The funder sets its own terms.
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Forward Funders LLC is a broker, not a funder. Merchant cash advances are purchases of future receivables; approval is not guaranteed and terms come from the funder.
Forward Funders LLC · 6231 Amboy Rd., Staten Island, NY · (718) 619-9867