Resources

Dental practice lenders: a sourced guide

Know the dental lending market.

Dental practice lenders do not all fit the same deal. Lender fit varies based on:

• Transaction size
• Practice cash flow
• Buyer experience
• Practice type
• Real estate
• Geography
• Down payment
• Debt service coverage
• Existing debt
• Transaction structure

2147 evaluates these factors when identifying financing sources that may fit a transaction. Find Financing

Lenders that publish dental financing information

A small number of lenders that publish dental practice financing information on their own websites, listed alphabetically, with what their public pages actually say and the questions worth putting to each of them.

Every summary is limited to what the lender’s own public pages said when a person last read them, on September 14, 2026. No rates, terms, approval odds or funding times appear here, because they are borrower-specific and change constantly.

Bank of America Practice Solutions

Corporate relationship: A business lending group of Bank of America, N.A.

Its dental financing page describes financing for practice acquisitions, expansion or improvement projects, equipment, commercial real estate, and certain working-capital options. The details, structures and requirements vary by financing type.

Questions to confirm directly

• Which financing type fits this specific use, and what structure does it use?
• Is the route conventional or an SBA program, and what changes as a result?
• What is the amortization period, the maturity, and is there a balloon?
• What fees are payable, and which are paid separately at closing?
• What conditions remain between a first conversation and funding?

Sources

• https://business.bankofamerica.com/en/business-loans/dental-loans

Public sources last checked by a person on September 14, 2026. No arrangement confirmed with this lender. This entry is not a compensated placement.

Live Oak Bank

Publishes dedicated dental practice financing information and describes a lending team that specialises in the sector. The actual product, whether it can be used for an acquisition, a refinancing or a property purchase, and whether the route is conventional or an SBA program, should be confirmed directly.

Questions to confirm directly

• Is this a conventional loan or an SBA program loan, and what does that change for you?
• Can the same facility cover the practice and the property, or are these separate loans?
• What is required in terms of guarantees, collateral and life insurance?
• What prepayment terms apply?
• Which states and which financing purposes are actually in scope right now?

Sources

• https://www.liveoakbank.com/business-loans/healthcare/dental/

Public sources last checked by a person on September 14, 2026. No arrangement confirmed with this lender. This entry is not a compensated placement.

Provide

Corporate relationship: Identifies itself publicly as a division of Fifth Third Bank, N.A.

Publishes materials aimed at dentists that include practice financing. The specific product, the eligible uses and any borrower-specific terms should be confirmed directly with the lender.

Questions to confirm directly

• Which product applies to this use, and what are its actual terms?
• What documentation is needed before anything is indicative?
• Is the rate fixed or variable, and over what amortization period?
• What is the process and expected timeline through to funding?
• What happens to the offer if the practice or the property diligence changes the picture?

Sources

• https://www.getprovide.com/dentists/
• https://www.getprovide.com/

Public sources last checked by a person on September 14, 2026. No arrangement confirmed with this lender. This entry is not a compensated placement.

How to use a list like this

Talk to more than one. Lenders differ in what they will finance, how they treat a ramp-up period, what they add back in a cash flow test, what collateral they take and how long they take, and those differences matter more than a quarter point of rate. A lender that understands dental practices will ask you about provider-level production and the lease; one that does not will ask you for three years of tax returns and treat the practice like any small business.

Ask every one of them the same questions, write down the answers, and compare the structures in the loan comparison. Comparing the terms you were actually offered is more useful than comparing what anybody advertises.

Conventional and SBA financing are different routes

Some dental practice financing is conventional bank lending. Some uses the U.S. Small Business Administration's guarantee programs, which change the fees, the guarantee requirements, the documentation and often the timeline. Which route applies is a lender-specific and transaction-specific question, and it is worth asking explicitly rather than inferring.

We have no approved SBA arrangement and do not represent any lender’s SBA program. If a lender describes an SBA route, confirm the program, the fees, the guarantee and the timeline with that lender.

This is not a contracted lender panel, an exhaustive list of the market or a recommendation. Public pages change without notice, so confirm anything that matters directly with the lender. Corrections go through the contact page, and the methodology sets out the standard applied to any factual claim here.