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Resources

What should dentists know before financing their next project?

These guides answer the questions dentists ask before they borrow: how to finance a CBCT or chairside mill, how practice purchases and associate buy-ins work, what a build-out really involves, and how to cover payroll when claims pay slowly. Each one explains the trade-offs honestly, including when financing is not the right move.

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Associate Buy-In FinancingHow associates finance a share of the practice, what funders review and why an independent valuation matters.Read moreBuying a Practice With Student DebtHow funders weigh student loans, what strengthens your file and how debt should shape the practice you choose.Read moreHow to Finance a CBCT MachineWhat CBCT financing covers, how terms work, new vs. refurbished, and how to judge whether the payment fits.Read moreChairside CAD/CAM Mill FinancingHow to finance a scanner, mill and furnace package, and how to weigh the payment against current lab fees.Read moreOpening a Second Dental OfficeBuild or buy, how funders underwrite office two on office one, and how to protect cash flow during ramp-up.Read moreDental Office Build-Out FinancingDraw schedules, tenant improvement allowances, contractor bids and budget risks for dental build-outs.Read moreDental Office Renovation FinancingFinancing a remodel in place, why lease length matters, phasing work, and when relocating makes more sense.Read moreFinancing New Dental OperatoriesWhen more rooms make sense, how to split construction and equipment, and keeping the schedule running during work.Read morePPO Claim Delays and PayrollHow dental practices bridge slow PPO payments with a line of credit, and what to fix in billing first.Read moreFinancing a Dental Practice PurchaseWhat acquisition loans cover, what funders review, the steps to closing and the risks to check first.Read moreDental Financing RequirementsWhat funders review: collections, credit and student debt, time in practice, collateral and the project itself.Read moreIntraoral Scanner FinancingLease or own, how software subscriptions change the real monthly cost, and when a scanner is worth financing.Read more

Which guides cover the biggest decisions?

Start with the decision in front of you. Buying or buying into a practice shapes years of payments, so the acquisition, buy-in and student-debt guides come first for associates. Established owners usually start with technology, operatory or renovation guides. Anyone preparing to apply should read the requirements guide to know what funders review.

Buying and growing a practice

Technology and space

How should I use these guides?

Use them to prepare, not as a substitute for your own advisors. They explain how dental financing typically works, what documents help and what to ask when comparing offers. For legal, tax or licensing questions, speak with your attorney, CPA or the official agency. When your quote or plan is ready, apply to compare options.

Cash flow questions? Read covering payroll when PPO claims pay slowly and what lenders review. Then see how it works.

Frequently asked questions

Are these guides financial or legal advice?

No. They explain how dental practice financing typically works so you can prepare and ask better questions. For legal, tax or licensing decisions, consult your attorney, CPA or the official agency that oversees the matter.

Do the guides list equipment prices or rates?

No. Equipment prices, rates and terms change and vary widely by vendor, market and practice profile. The guides explain what drives cost and what to compare, and recommend getting current quotes and offers for your practice.

Which guide should an associate read first?

Associates planning ownership usually start with the buy-in and acquisition guides, then the student-debt guide, since those explain how funders view early-career dentists and how purchases are typically structured.

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Updated September 14, 2026 · SmileBright Capital Funding Team