Industry Funding

Business Loans & Funding for Dental Practices

Dental practices are capital-intensive businesses that grow by continually investing in expensive equipment and technology — digital imaging, cone beam CT, CAD/CAM systems, intraoral scanners, and fully equipped operatories — all of which must be paid for before they generate a dollar of patient revenue. At the same time, care is delivered today while insurance reimbursement arrives weeks later. Y Millennial Funding provides business funding for dental practices — general and family dentistry, specialty practices across orthodontics, oral surgery, endodontics, periodontics, prosthodontics, and pediatric dentistry, group practices, and multi-location dental groups — doing $300,000 or more in annual revenue. We underwrite based on revenue patterns and bank or settlement strength rather than credit score alone or a slow acquisition-style bank process. Funding is structured as a percentage of collections, so remittance flexes with actual patient volume and insurance reimbursement timing rather than imposing a fixed monthly payment. Dental practices use funding to purchase equipment and technology, to build out additional operatories and renovate the practice, to fund practice acquisition and partner buy-in, to expand to additional locations, to bridge insurance reimbursement cycles, and for staffing and working capital. Decisions are fast, which matters when a technology opportunity or an operatory build-out timeline is time-sensitive. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, regulatory standing, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.