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Dental practice funding rates

Published rates, the fees attached to them, and the two numbers that let you compare any offer regardless of how it is quoted.

The published terms

Line of credit$10,000 – $350,000. 12–36 months. From 1% per month. 2.49% draw fee, $10,000 minimum draw. No origination or maintenance fee.
Term loan$10,000 – $250,000. 12–18 months. 0% origination. Weekly payments. 50% off remaining interest on a full early payoff. Capped at 15% of annual revenue.
Early payoffDiscounts at 30, 60 and 90 days on advance products.
Decision and fundingSame-day decision, next-business-day funding.

Factor rates are not interest rates

A factor rate is a multiplier applied once, at funding. $50,000 at 1.35 sets a $67,500 payback whether you hold the money for two months or twelve. Interest is charged on the balance still outstanding, so repaying faster genuinely costs less.

That difference matters more than the headline number. A 1.35 factor and 35% interest are not remotely the same cost.

The two numbers that compare any offer

Total paybackEverything you repay across the full term, in dollars — not a rate.
Payoff at 30, 60 and 90 daysWhat it costs to clear early. We discount at all three; many funders discount at none.
Ask for both figures in writing before signing anything, from us or anyone else. A funder who will not put total payback in writing is telling you something.

Common questions

What does funding cost dental practices?

A line of credit starts at 1% per month with a 2.49% draw fee. A term loan carries 0% origination and halves the remaining interest on a full early payoff.

Is there an origination fee?

Not on the term loan — it is 0%. The line of credit carries a 2.49% fee per draw instead.

Does paying early save money?

Yes. Advance products carry early payoff discounts at 30, 60 and 90 days, and a full term-loan payoff takes 50% off the remaining interest.

How do I compare two offers?

Compare total payback in dollars, and the payoff figure at 30, 60 and 90 days. Those two expose the real structure regardless of how the rate is described.

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