Industry Funding
Business Funding for Dental Practices
Equipment is expensive, insurance reimbursements are slow, and growth requires capital before the new patients walk in. Commera arranges the right structure — equipment financing for chairs and imaging, receivables financing on insurance claims, a practice or SBA loan for an acquisition, or fast revenue-based funding in 24–48 hours.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Insurance Reimbursement Lag
Dental insurance carriers often pay 30–60 days after service. Cleanings, fillings, and crowns produce a daily backlog of receivables, but rent, payroll, and lab fees are due now. Receivables financing advances against those claims, and revenue-based funding advances against your future deposits when you need cash even faster.
- 02
High-Cost Chairs and Imaging
A dental chair runs $15,000–$30,000. CBCT imaging, intraoral scanners, and CAD/CAM mills run $50,000–$150,000+. Equipment financing or leasing spreads that cost over the device's life, and when vendor financing drags through weeks of paperwork, fast funding lands in 24–48 hours.
- 03
Lab Fees and Implant Cases
Lab fees on crowns, dentures, and implant cases are due 30 days after the lab work — well before the patient pays their portion or insurance settles. A line of credit or receivables financing covers the lab while larger case volume builds, instead of widening the cash gap.
- 04
Buy-Ins, Partner Buyouts, and Second Locations
Acquiring a retiring dentist's practice, buying out a partner, or opening a second op requires capital months before the revenue catches up. A practice or SBA term loan suits a longer horizon, and revenue-based funding bridges the gap when conventional loans take 60–90 days.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Chairs and Operatory Build-Outs
Finance or lease operatories and replace aging chairs, or fast-fund a build-out without months of bank underwriting.
CBCT, Scanners, CAD/CAM Mills
Equipment financing for modern imaging and same-day-crown technology, funded faster than vendor financing.
Insurance Receivables Bridge
Use receivables financing or a line of credit to cover payroll and lab fees while waiting on insurance settlements — common in high-volume practices.
Practice Acquisition or Buy-In
A term/SBA loan or revenue-based bridge funds a partner buyout or small-practice acquisition while traditional financing is in process.
Patient Acquisition and Marketing
Direct mail, paid search, and Invisalign / implant campaigns before the cases convert.
Typical Funding Range
$25K – $500K
How to Qualify
Dental practices typically qualify based on bank deposit volume from completed services. We match the structure to the need — equipment financing for chairs and imaging, receivables financing against insurance claims, a term/SBA loan for an acquisition, or revenue-based funding for speed. Insurance receivables count toward revenue, and cash-pay procedures (cosmetic, ortho, implant) create predictable daily deposits that funders favor.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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