Medical, Dental & Med Spa Financing — Devices, Build-Outs and Practice Acquisition

A single laser or CBCT unit is a six-figure decision, and insurance reimbursement arrives months after you have paid for the chair.

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What owners in this industry finance

Lasers, imaging and operatory equipment
Practice acquisition and partner buyouts
Suite build-out and expansion
Bridging insurance receivables

What we would tell you

Practices are prime SBA borrowers — licensed, sticky revenue, long histories. Price the 10-year SBA structure before you sign a 3-year equipment lease on a $200,000 device.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

SBA Loans

Lowest cost, longest terms

30 – 45 days (approval in 48–72 hrs) 675+ FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Medical, Dental & Aesthetics funding questions

What is the best financing option for medical, dental & aesthetics?

It depends on what the money is for. Practices are prime SBA borrowers — licensed, sticky revenue, long histories. Price the 10-year SBA structure before you sign a 3-year equipment lease on a $200,000 device.

Can I get funded for my medical, dental & aesthetic business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for medical, dental & aesthetics

One application, shopped across 14 programs, no fee to you.

Get Pre-Qualified See funding options

Checking your options does not affect your business credit. A soft review only.