What this term loan offers
Up to $250,000 in a single lump sum, repaid over a term of up to 18 months, with rates starting as low as a 1.18 factor for the strongest files.
- Loan amount: up to $250,000
- Term: up to 18 months
- Rate: as low as a 1.18 factor for qualifying practices
- Structure: one lump sum, repaid on a fixed schedule
A factor rate is the total repayment divided by what you borrow — a 1.18 factor on $100,000 means repaying $118,000 total, before any other fees, over the term. Ask for the total repayment amount in writing before accepting any offer.
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 line of credit
A term loan fits one planned, one-time cost with a known price, like an intraoral scanner or an office renovation. A line of credit fits recurring or unpredictable needs.
- Term loan (this product): up to $250,000, terms up to 18 months — best for one planned equipment or build-out cost
- Line of credit: up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
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 term loan 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 term loan is one of the stronger options for practices that qualify, but never the only one. You see the full repayment number 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 term loan is placed through one of those partners, not funded directly by SmileBright Capital.
What does "as low as a 1.18 factor" mean?
A factor rate is multiplied by the amount you borrow to get the total repayment. 1.18 is the strongest-file rate; your actual factor depends on your file and may be higher.
What if my practice doesn't qualify for this specific loan?
SmileBright Capital reviews your file against several products. If this loan isn't the right fit, you'll be shown other options that better match your practice.
Can I repay a term loan early?
Early repayment terms vary by partner. Ask whether repaying early reduces the total cost before you accept an offer.
Can this term loan cover equipment like a CAD/CAM mill or CBCT?
Yes, a term loan is often the right structure for a single large equipment purchase with a known price and a fixed payback schedule.
See your real number
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · SmileBright Capital Funding Team