What this line of credit offers
Up to $350,000 in revolving credit, terms up to 36 months, with rates starting as low as 12% annually for the strongest files. You draw what you need, repay it, and the available credit opens back up.
- Credit limit: up to $350,000
- Term: up to 36 months
- Rate: as low as 12% annually for qualifying practices
- Structure: revolving — draw, repay, and the line replenishes
Exact rate and limit depend on the file. A newer practice or an associate buying in may still qualify for a smaller line or a shorter term through a different product.
Do you qualify?
This product is built for established dental practices. A strong file usually has 3+ years in business, a 650+ personal credit score, and at least $25,000 in monthly revenue.
- Time in business: 3+ years
- Personal credit score: 650+
- Monthly practice revenue: $25,000 or more
- Ownership: at least 50% owned by the applicant
- Practice type: LLC or corporation (not a sole proprietorship or nonprofit)
- Location: available in most states
These are general guidelines a strong file usually meets, not a guarantee either way. A practice that doesn't check every box can still apply — SmileBright Capital will say plainly if this specific product isn't the fit and show what is.
How it compares to a term loan
A line of credit fits recurring or unpredictable needs, like bridging PPO reimbursement lag or covering an unplanned repair. A term loan fits one planned cost, like a CBCT unit or a build-out.
- Line of credit (this product): up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
- Term loan: up to $250,000, terms up to 18 months — best for one planned equipment or build-out cost with a known price
See the full side-by-side on the funding comparison page.
How to see if you qualify
One short application lets SmileBright Capital match your practice's file against this line and its other funding options, with no obligation to accept any offer.
SmileBright Capital reviews your application and connects you with funding partners whose programs fit your practice — this line of credit is one of the stronger options for practices that qualify, but never the only one. You see your real numbers before you decide anything.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from SmileBright Capital?
SmileBright Capital helps dental practices get funded through its funding partners. This line of credit is placed through one of those partners, not funded directly by SmileBright Capital.
What if my practice doesn't qualify for this specific line?
SmileBright Capital reviews your file against several products. If this line isn't the right fit, you'll be shown other options that better match your practice.
Does checking my options affect my credit?
Practices vary by product and partner. Ask about the credit check method for any offer before you accept it.
How is the rate on my offer decided?
Rate and limit are set by the funding partner based on your file: time in business, revenue, deposits, and credit. "As low as 12%" describes the strongest files, not every approval.
Can this line be used for dental equipment like a CBCT or intraoral scanner?
Yes, a line of credit can cover equipment as one of many uses, though a term loan is often a better fit for a single large purchase with a known price.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · SmileBright Capital Funding Team