Dental Practice Loans in Midland, TX
Need dental practice loans in Midland? You're looking at acquisition capital, equipment upgrades, or cash flow to cover payroll between insurance reimbursements.
Need dental practice loans in Midland? You're looking at acquisition capital, equipment upgrades, or cash flow to cover payroll between insurance reimbursements.
Midland dentists operate in a boom-and-bust market tied to oil prices. When rigs run, your schedule fills with extraction and implant cases; when drilling slows, elective procedures drop. Traditional bank underwriters see that volatility and hesitate. You need a lender who underwrites on patient base and accounts receivable, not just tax returns from a down year. We broker relationships with dental practice lenders who price your loan on practice cash flow, equipment collateral, and long-term contracts with PPO networks, not last quarter's revenue dip.
Most Midland dental offices sit in lease space along Loop 250 or near Midland Memorial Hospital. That means you're financing equipment and working capital, rarely real estate. Conventional banks want dirt as collateral. Specialized dental business financing structures loans around your operatory chairs, digital X-ray systems, and Cerec mills.
Loan programs
work for practice acquisitions and major build-outs. The SBA guarantees up to 85 percent of the loan, so lenders accept lower down payments, typically 10 to 15 percent.
covers operatory chairs, panoramic imagers, autoclaves, and CAD/CAM units. The gear itself is collateral, so approval hinges on invoice price and your practice's debt-service coverage ratio.
and business lines of credit bridge the gap between procedure dates and insurance payouts. Delta Dental and MetLife can take 45 days; your lab bill and hygienist payroll don't wait.
advances 70 to 90 percent of your outstanding receivables within 48 hours. If you're waiting on a batch of crown reimbursements and need to stock supplies, factoring turns those invoices into same-week cash.
We don't lend. We broker. That means we shop your file to multiple dental practice lenders and present term sheets side by side. You see loan amounts, payback schedules, collateral requirements, and prepayment rules in plain English before you sign.
We pull your practice financials, profit-and-loss statements, accounts receivable aging reports, equipment appraisals, and package them the way dental lenders expect. A missing depreciation schedule or an unclear PPO contract can stall underwriting for weeks. We fix that up front.
Cost transparency is our lens. Every term sheet shows origination fees, servicing fees, and any broker compensation. No line items appear at closing that you didn't see in writing during application.
Call (432) 277-9693 or visit 2402 W Wall St, Midland, TX 79701 to start a file.
Dr. Hayes runs a general dentistry office near Wadley Regional Medical Center. Patient volume climbed 30 percent after two group practices closed. She wanted to add a third operatory and hire an associate dentist. Her community bank offered a five-year loan at a rate she found steep, and they required her husband to co-sign.
We brokered an SBA 7(a) loan through a lender experienced with Permian Basin healthcare. The term stretched to ten years, lowering her monthly payment by $1,200. No spousal guarantee. Closing took 72 days. She bought two A-dec chairs, a Dexis sensor, and paid the associate's signing bonus from the same draw.
Lenders want three years of business tax returns, a current profit-and-loss statement, and a balance sheet. Bring your accounts receivable aging report, it shows how much insurance companies and patients owe you and how long those balances have been outstanding.
If you're buying a practice, include the seller's tax returns, the asset purchase agreement, and a patient-transition plan. If you're financing equipment, provide the vendor quote with make, model, and serial numbers.
Personal credit matters. Most dental business loans require a personal guarantee from any owner holding 20 percent or more equity. Lenders pull your personal credit report and review your debt-to-income ratio.
Midland-specific: if your practice serves oilfield families on high-deductible health plans, explain your payment-plan policy and historical collection rate. Lenders familiar with the Permian Basin understand that patient mix; others need it spelled out.
Find more commercial business loan options in Midland or explore our full service areas.
Serving the Midland area
We know which lenders fund which kinds of Midland businesses, and we position your file where it fits.
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