How do I choose the right product for my project?
Match the product to how long the need lasts. Long-lived purchases like chairs, CBCT and build-outs fit multi-year equipment financing or term loans. Short, recurring gaps like slow PPO weeks fit a line of credit. Short-term, higher-cost products belong only to short-term needs, never to projects that pay back over many years.
- Buying technology or replacing equipment: dental equipment financing
- Buying a practice, buying in, building out or opening another office: term loans, or SBA loans as an option to compare
- Covering payroll, supplies or a transition: working capital
- Recurring timing gaps: a line of credit
- Short-term needs tied to deposits: revenue-based financing, with its higher cost in mind
What do funders look at across all products?
Requirements vary by product and funder. Many look at time in business, monthly collections and credit. Dentists often carry strong personal credit alongside heavy student debt, so funders who work with dental practices typically weigh collections and production as well as the credit score. A clear quote, bid or plan helps every request.
Read what lenders review before funding a dental practice, or see how the process works from application to funding. Funders need financial documents only. Never share patient information.
Frequently asked questions
Can I combine more than one product?
Yes, and many projects do. A de novo office or relocation often pairs a build-out term loan with equipment financing and some working capital. Matching each piece to its own product usually keeps payments more manageable than forcing everything into one.
Does SmileBright Capital lend its own money?
No. SmileBright Capital helps dental practices get funded through our funding partners. We help you compare offers on term, total cost and payment so you can choose what fits your practice.
Does SmileBright Capital offer patient financing?
No. We focus on business financing for dental practices, such as equipment financing, term loans, working capital and lines of credit. We do not place patient or consumer financing for treatment.
How fast can I get an answer?
It depends on the product and your documents. Some equipment and working-capital approvals come within a day or two when statements and a quote are ready. Acquisitions, build-outs and SBA loans usually take longer.
Not sure which product fits?
Tell us what you are planning, and we will help you compare options through our funding partners.
Updated September 14, 2026 · SmileBright Capital Funding Team