Line of Credit Up to $350,0003+ years in business, 650+ credit, $25K+/month revenue. Line of credit up to $350,000.See if this fitsTerm Loan Up to $250,0003+ years in business, 650+ credit, $25K+/month revenue. Term loan up to $250,000.See if this fitsGrowing Practice6 months to a few years in business, building credit, steady deposits. Smaller amounts, shorter terms, room to grow into better pricing.See if this fitsSecond LookPast credit challenges or a thinner file. Reviewed by hand — approvals exist even where a bank said no.See if this fits
Compare the three at a glance
Time in business, credit, and revenue are the three things that move a file from one tier to another.
| Tier | Time in business | Credit | Monthly revenue |
|---|---|---|---|
| Line of Credit Up to $350,000 | 3+ years | 650+ | $25,000+ |
| Term Loan Up to $250,000 | 3+ years | 650+ | $25,000+ |
| Growing Practice | 6 months–1 year+ | 500–550+ | $8,000–$25,000+ |
| Second Look | 6 months+ | As low as 500s, case by case | Reviewed individually |
Frequently asked questions
What if I'm not sure which tier fits my practice?
Apply once — SmileBright Capital reviews your file and matches it to the right tier itself. You don't need to guess.
Can my practice move from one tier to another over time?
Yes. Practices commonly start at Growing Practice or Second Look and move into established-practice terms as revenue and credit history build.
Does applying commit me to anything?
No. One secure application shows your real options, and you decide whether to accept any offer.
Find out where you fit
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · SmileBright Capital Funding Team