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Funding for dental practices

Financing that gives your business something to smile about.

Running a dental practice comes with real financial decisions beyond patient care. IOU Financial offers dental practice loans designed to support how your practice operates, with guidance and support from a team experienced in dental practice financing.

What we offer

Funding that fits your dental practice.

Whether it’s a routine expense or a bigger investment, IOU Financial offers dental practice loans and dental practice financing with fast funding and a simple, transparent approach.

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Term loans

Flexible financing for long-term growth. Get up to $1,500,000 with repayment terms between 6 months and 2 years. Choose a payment schedule that fits your practice’s cash flow and move quickly on expansion, upgrades, or staffing needs.

Business line of credit

On-demand access to working capital. Draw funds when you need them, repay, and reuse. Ideal for covering insurance reimbursement delays, payroll, supplies, or unexpected expenses without reapplying each time.

SBA bridge loan

Get the capital you need while your SBA loan is still pending. Use this short-term solution to keep projects moving, support staff, or manage tight cash flow. Repay once your SBA funds arrive.

Equipment financing

Finance essential medical equipment without straining cash flow. From imaging tools to diagnostic equipment, finance the tools that power your practice. Spread costs over time with predictable payments that preserve your working capital.

Invoice factoring

Access the money you have already earned faster. Convert outstanding insurance claims and patient invoices into immediate working capital. Reduce reimbursement gaps and keep your practice running smoothly.

Tenant improvement bridge loan

Cover build-out and renovation costs while you prepare to open or expand your space. A tenant improvement bridge loan helps fund construction, equipment installation, and upfront expenses before long-term financing or lease reimbursements are finalized.

Expansion capital

Fuel growth when your practice is ready to take the next step. Expansion capital helps cover the costs of opening a new location, hiring staff, increasing capacity, or entering new markets. Access flexible funding designed to support growth while maintaining steady cash flow.
Smart ways to put your funds to work

Practical funding solutions for modern dental practices.

Whether you’re expanding your practice, investing in new equipment, or planning ahead for growth, IOU Financial gives you fast access to funding so you can put funds where they’ll have the biggest impact.

Expansion

Open new locations, add treatment rooms, or update your space, so you can see more patients and grow your practice.

Equipment

Use dental equipment financing to invest in new or upgraded chairs, imaging systems, tools, or technology that support patient care and your team.

Inventory

Stock up on dental supplies, disposables, and essential products so you’re prepared for busy periods without adding pressure to cash flow.

Marketing and advertising

Reach new patients with targeted campaigns that grow your visibility and strengthen your reputation in your community.

Technology upgrades

Improve your EHR systems, scheduling tools, billing platforms, and digital workflows to keep your practice efficient and up to date.

Working capital

Cover everyday expenses, manage reimbursement delays, support payroll, and keep your dental practice nimble as you grow.
Qualifications

Who qualifies for an IOU business term loan?

Getting funding should not feel out of reach. If you run a practice with steady revenue and at least a year in operation, you could be a great fit.

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1 year in business or more

We support practices that have established operations and understand their patient base.

$10,000 or more in monthly revenue

A clear picture of monthly income helps us structure a loan that fits your practice comfortably.

A personal credit score of 630 or higher

We work with practice owners across a wide range of credit.

Get your funding, fast

Secure your dental practice funding in 3 simple steps.

Accessing capital shouldn’t be complicated. IOU Financial makes it easy for medical practice owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few days.

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Ready to accelerate your business?

Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.

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