Dentist

DENTAL SBA 7(a) LOANS

A thriving dental practice demands not only exceptional clinical expertise but also a solid financial foundation to support its growth and success. The SBA 7(a) loan program, backed by the government, is designed to help you maintain financial stability and drive growth. Whether you’re looking to hire new staff, purchase equipment, or renovate your practice, the SBA 7(a) loan is a top financing choice for dentists due to its flexibility and accessibility.

Longer Repayment Terms

SBA 7(a) loans offer flexible repayment terms: up to 10 years for working capital, equipment, and general business purposes, and up to 25 years for real estate purchases. Loans under 15 years can be repaid anytime without penalties, while those over 15 years have prepayment penalties in the first three years: 5% in year one, 3% in year two, and 1% in year three. After three years, repayment is penalty-free, offering flexibility and control over your loan schedule.

Competitive Interest Rates

Leverage the competitive interest rates of SBA 7(a) loans to cut your financing costs. With a government-backed guarantee reducing our risk, we can offer more attractive rates than traditional business lenders.

Lower Down Payments

The government guaranty also enables small business owners to secure financing with lower down payments compared to traditional business loans, typically up to 20% of the total project cost but in some cases as low as 0%.

Flexible Use of Funds

The SBA 7(a) loan program is widely regarded as a top choice for small businesses due to its unmatched flexibility. Unlike many traditional loans that impose strict limitations, 7(a) loans empower businesses to meet a variety of financial needs, making them versatile for nearly any business purpose or stage of growth.



What Can SBA 7(a) Do for Your Dental Practice?

Our flexible financing solutions allow you to invest in the most critical aspects of your practice, whether it's one specific area or several at once:


Business Expansion

Whether you're opening a new location, hiring additional staff, or upgrading your equipment, our loans give you the capital to grow your business.

Equipment & Technology

From comfortable dental chairs to cutting-edge imaging technology, equip your dental practice with the essential tools to enhance patient care and comfort.

Real Estate Investments

Purchase, build, or refinance your office to give your business a solid foundation for growth and success.

Working Capital

Ensure smooth day-to-day operations by covering essential expenses like payroll, equipment, and marketing.

Debt Refinancing

Simplify your financial management by consolidating multiple loans into one, often with better terms.

Solutions for Every Stage of Your Dental Practice

Our SBA 7(a) loans are designed to support Dentists throughout their careers, whether you’re just getting started, expanding your business, or preparing for retirement.