DENTIST SBA 7(a) LOANS

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.

Buy a Dental Practice

Acquiring an existing dental practice with an SBA 7(a) loan allows you to take over an established patient base and a fully equipped office. With flexible financing options and low down payments, you can secure ownership while keeping capital available for staffing, marketing, and operational growth.

Start a Practice

Launching a new dental practice is an exciting opportunity to build your own patient base and establish your brand. An SBA 7(a) loan provides financing for leasehold improvements, equipment, marketing, and working capital, helping you get your practice off the ground with financial flexibility.

Buy Out a Competitor

Acquiring a competing dental practice is a strategic way to expand your patient base and increase market share. An SBA 7(a) loan provides financing to purchase an existing practice, including goodwill, equipment, and working capital, allowing for a smooth transition and continued growth.

Buy Real Estate – Stop Leasing Your Office

Owning your dental office provides long-term stability, eliminates rising lease costs, and builds equity in your business. An SBA 7(a) loan offers financing for purchasing or renovating a property, giving you control over your location and future growth.

Debt Refinancing

Refinancing high-interest debt with an SBA 7(a) loan can lower monthly payments and improve cash flow. By securing better loan terms, you can reduce financial strain and reinvest savings into new dental technology, staffing, and marketing efforts.