Dental Practice Acquisition Financing & Loans

The cost to acquire a dental practice varies based on annual collections, profitability, patient base, equipment condition, location, real estate involvement, and seller terms. Lenders typically review tax returns, profit and loss statements, production trends, debt obligations, and buyer qualifications. Franklin Financing Services can help evaluate the financing structure needed for the purchase price, transition costs, equipment, and working capital.

An acquisition can be financed through SBA loans, business acquisition financing, term loans, unsecured business loans, seller financing, or a blended structure. The best option depends on the practice’s cash flow, collateral, buyer credit profile, down payment, and timeline. Franklin Financing Services helps match dental buyers with programs that support acquisition funding, working capital, equipment, and related transition expenses.

SBA loans are often a strong fit for dental practice acquisitions because they can offer larger loan amounts, longer repayment terms, and no balloon payments. Franklin Financing Services is designated as a Preferred Financial Services company by SBA lenders, which can help loans move through processing more efficiently when the borrower and practice meet underwriting requirements.

Lenders commonly request personal financial information, credit history, tax returns, practice financial statements, a purchase agreement or letter of intent, debt schedule, production reports, and projections when available. For some programs, underwriting may also review bank statements, equipment lists, lease terms, and transition plans to confirm repayment capacity after the acquisition closes.

Timing depends on the loan program and the completeness of the file. Certain Franklin Financing Services programs can provide approvals in 24-48 hours and funding in as little as 3-7 days. SBA and acquisition loans usually require deeper underwriting, including review of practice financials, buyer qualifications, purchase documents, and any collateral or real estate considerations.

A down payment may be required depending on the acquisition structure, lender guidelines, borrower strength, collateral, and whether seller financing is included. SBA and conventional acquisition lenders typically want to see that the buyer has sufficient financial commitment and post-closing liquidity. Franklin Financing Services can help review available programs and structure options around the transaction.

Yes, financing may be structured to include more than the purchase price when the program allows it. Dental buyers often need working capital for payroll, supplies, marketing, lease deposits, technology, staffing changes, and transition expenses. Medical working capital loans, term loans, SBA financing, and equipment leasing can help support these needs alongside the acquisition.

Franklin Financing Services works with businesses that may not qualify through traditional banks and offers access to multiple lending solutions. Some programs can accommodate poor credit, late payments, or prior bank turndowns, while others require stronger credit and cash flow. The right fit depends on the loan amount, repayment structure, acquisition details, and overall borrower profile.