INDUSTRY SOLUTIONS
Funding Built for Dental Practices
You deliver the care today, then wait 30, 60, even 90 days on the insurance check, while payroll, lab bills, and supplies are due now. We give dental practices fast, flexible working capital so a slow reimbursement cycle never sets the pace for how you run the office.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Equipment, payroll, claims gap & more
THE CHALLENGE
Profitable on Paper, Stuck in Receivables
Dentistry is a profitable profession with a stubborn cash-flow problem: the money you've earned arrives weeks after the work is done, while the bills don't wait. The American Dental Association calls it a fiscal squeeze, the cost of staff, supplies, and technology rising faster than what insurers reimburse. In the Federal Reserve's 2025 Small Business Credit Survey, the most common reason firms sought financing was simply to cover operating expenses, and fewer than half of applicants got the full amount they asked for. Here's where the cash gets stuck in a dental practice.
Production is up, but the money is stuck in claims
You can have your best production month on record and still come up short in the bank, because much of that revenue is sitting in insurance claims. Practices collect from a mix of patient payments and insurance, and the insurance side can take 30 to 60 days or longer, especially when a claim is denied and has to be reworked and resubmitted. Heading into 2026, the ADA reports that more than half of dentists name insurance issues, including low reimbursement and delayed or denied payments, among their biggest challenges. That's earned revenue you're effectively floating until it clears.
Overhead eats 60 to 65 cents of every dollar
Overhead in a dental practice commonly runs 60 to 65 percent of collections, and payroll is the single largest line. Those costs are fixed and constant: staff get paid on schedule, the lab invoices on its own terms, and supplies have to be restocked whether or not this month's collections came in strong. With reimbursement growth lagging the rising cost of staff, supplies, and technology, the fiscal squeeze leaves a thinner cushion to absorb a slow month or a surprise repair.
You can't find a hygienist, and the ones you find cost more
Hygiene is where a general practice makes much of its money, and hygienists are hard to hire. The ADA's Health Policy Institute reports that 91 percent of dentists recruiting hygienists call it very or extremely challenging, and only about 60 percent say they have adequate hygiene staffing. An open hygiene chair is lost production every day it sits empty, and with the median dental hygienist earning about $94,260 a year (Bureau of Labor Statistics, 2024), keeping that chair filled is one of the least flexible costs in the practice.
The equipment that wins cases costs six figures, and Section 179 has a deadline
The technology patients expect, and that helps you accept and complete more cases, is expensive. A cone-beam (CBCT) imaging system or a CAD/CAM milling setup runs well into six figures, and a single new operatory isn't far behind once it's equipped. There's calendar pressure too: the Section 179 tax deduction applies only to equipment placed in service by December 31, so a year-end purchase often has to happen on a tight timeline, long before a bank could underwrite it.
Your calendar runs on insurance benefits, not the weather
Dental demand has a season, but it's set by insurance, not the weather. December through February is the busy stretch for crowns, bridges, and other high-value treatment, as patients rush to use benefits before they expire at year-end and then tap fresh benefits in January. Summer and early fall tend to be softer for that high-ticket production. A bank looking at a slow quarter sees risk. You know the next surge is coming, if you have the capacity and cash flow to capture it.
A failed sterilizer, a Friday payroll, a stuck claim, a Section 179 deadline: each of these is measured in days, and an SBA loan is measured in months, 30 to 90 days when it goes well, often for less than the amount requested. That's why our working capital funds in days and is structured around how a dental practice actually gets paid, insurance lag included.
How Dental Practices Use Our Funding
Clinical Equipment & Imaging
Finance a cone-beam or panoramic imaging unit, a CAD/CAM mill, new chairs, or a sterilizer, with terms that spread the cost instead of draining the account at once.
Bridge Insurance Reimbursement
Cover payroll, lab bills, and supplies while a month of claims sits in accounts receivable or works its way through denials and resubmissions.
Hire & Keep Hygienists
Fund a competitive hygienist offer and the payroll behind it, so an open chair, and the production it represents, doesn't sit empty waiting on the right hire.
Add Operatories or Expand
Build out a new operatory, renovate the office, or open a second location, the kind of six-figure, growth-driving project that lands well before the new revenue does.
Acquisition & Partner Buy-Ins
Move on a practice purchase, a partner buy-in, or a buyout on the deal's timeline, plus the working capital you need in the months right after the transition.
Marketing & New Patients
Front-load marketing, local SEO, and new-patient campaigns that fill the schedule, spending ahead of the revenue those new patients bring in.
One Application. We Match You to the Funding That Fits.
Most practices we fund use working capital they can put toward anything. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Flexible funding for payroll, labs, supplies, equipment, or a slow reimbursement month. This is where most dental practices start.
Learn MoreInsurance-Claim & Invoice Factoring
Advance the cash tied up in unpaid insurance claims and patient balances, so a 30 to 60 day reimbursement cycle doesn't leave you short. It's not new debt, just your earned revenue, sooner.
Learn MoreBusiness Line of Credit
Revolving cash you draw on when claims are slow or a cost lands early, then repay and reuse as reimbursements arrive. Interest applies only to what you draw.
Learn MoreEquipment Financing
For imaging, CAD/CAM, chairs, and sterilizers, with terms up to 60 months and the equipment itself as collateral, which often makes approval easier.
Learn MoreBusiness & SBA Loans
Lump-sum capital for a larger project, a build-out, or a practice acquisition, when you want a longer, structured term.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your collections, easing off in a slower summer instead of holding a fixed payment.
Learn MoreWhy Dental Practices Choose Us
We've funded practices across the healthcare spectrum, from solo dentists to multi-provider and specialty groups. As the field consolidates, roughly one in six dentists is now affiliated with a dental support organization (ADA Health Policy Institute, 2024), independents are increasingly competing against well-capitalized groups with deep purchasing power and easy access to capital.
Fast, flexible funding is one way to close that gap. We know the reimbursement cycle, the cost of the technology you rely on, and what it takes to keep chairs full and patients moving.
See What You Qualify For- We understand insurance reimbursement and claim denials
- Factoring that turns unpaid claims into cash now
- Equipment financing for imaging, CAD/CAM, and chairs, terms up to 60 months
- Funding fast enough to beat the Section 179 deadline
- Approval in 4 – 8 hours, not weeks
- All credit profiles considered
Simple Requirements to Get Started
If your dental practice has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Dental Practice Funding FAQs
What can a dental practice use the funding for?
Anything the practice needs. Dental owners use Monera funding for clinical equipment and imaging, staff and hygienist payroll, lab bills and supplies, bridging slow insurance reimbursements, build-outs and added operatories, marketing, and acquisitions. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.
How much can a dental practice borrow?
Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly collections and how long you've been in business, not on a single credit score.
Can you help while I'm waiting on insurance reimbursements or fighting claim denials?
Yes. This is one of the most common reasons dental practices seek working capital. Insurance can take 30 to 60 days or longer to pay, and denied claims tie that money up further while they're reworked and resubmitted. Working capital or invoice factoring can advance the cash so you can make payroll and pay your labs while the claims clear.
Can I finance a CBCT, CAD/CAM mill, or new operatory equipment?
Yes. Equipment financing is available with terms up to 60 months, and the equipment itself serves as collateral, which often makes approval easier. It's a common fit for cone-beam and panoramic imaging, CAD/CAM milling, chairs, and sterilizers.
Can I get funded before the Section 179 deadline?
That's a frequent reason dentists come to us in the fourth quarter. Because the Section 179 deduction applies only to equipment placed in service by December 31, year-end purchases are time-sensitive. Approval typically comes in 4 to 8 hours, far faster than a bank or SBA loan, so the deadline drives the decision instead of an underwriting queue. Your accountant can confirm how the deduction applies to your purchase.
Can it cover payroll, including a competitive hygienist offer?
Yes. Payroll is one of the most common uses, and the hygienist shortage makes it especially pressing. The ADA reports that 91 percent of dentists recruiting hygienists find it very or extremely challenging. Funding can bridge payroll through a slow reimbursement month and help you meet the pay it takes to keep a hygiene chair filled.
Do you fund practice acquisitions or partner buy-ins?
Yes. Buying a practice, buying into a partnership, funding a partner's buyout: these deals run on the seller's timeline, not a lender's. We can move quickly, and provide working capital for the months right after the transition, when legal, payroll, and rebranding costs land before the new collections do.
Do you provide patient financing like CareCredit?
No. We fund your practice, not your patients. Our capital goes to your business, for equipment, payroll, supplies, and growth, and it isn't a patient-financing program for treatment plans. If you already offer patient financing, our funding complements it by covering your side of the cash gap while those payments and insurance claims clear.
Do you fund dental specialists, not just general dentistry?
Yes. We fund general practices and specialists alike, orthodontics, oral surgery, endodontics, periodontics, pediatric dentistry, and group practices. The cash-flow realities differ by specialty, but the need for flexible capital is shared.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.
How fast can I get funded?
Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason practice owners choose us over a bank or an SBA loan, where the same request can take 30 to 90 days.
Do I need good credit or a long track record?
All credit profiles are considered. Most dental practices we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your collections and day-to-day performance matter more than a perfect credit score.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Healthcare & Medical overview.
Insights
Reading for Healthcare & Medical Owners
Equipment Financing vs. Leasing: The Ownership Difference
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Equipment Financing Explained: How It Works & Qualifying
Spread the cost of vehicles, machinery, or technology over fixed monthly payments while the equipment serves as collateral. How it works and who qualifies.
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Working Capital Loans: A Complete Guide for Small Businesses
What a working capital loan is, how fast it funds, what it costs, who qualifies, and when it beats a line of credit or invoice factoring.
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