SBA 7(a) loans fund practice acquisitions, major build-outs, and refinancing in twenty to thirty days, offering ten-to-twenty-five-year amortizations that smooth payments during ramp-up periods. When you're buying an established practice in Casa de Oro or opening a second location in Rancho San Diego, SBA 7(a) loans let you finance goodwill, equipment, leasehold improvements, and three months of working capital in a single close. Expect two to three weeks for underwriting and another week for SBA processing.
Equipment financing delivers funds in seven to fourteen days for chairs, cone-beam CT scanners, CAD/CAM mills, and sterilization systems, using the equipment itself as collateral. Lenders advance 80-100 percent of invoice value, so you preserve cash for payroll and supplies. Equipment financing payments align with the asset's useful life, and because the gear secures the loan, credit-score thresholds drop below conventional term-loan floors.
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Business lines of credit release funds within five to ten business days, letting you cover payroll during slow summer weeks or stock up on PPE and anesthetics when supplier terms tighten. Draw only what you need, pay interest on the outstanding balance, and repay as insurance checks clear. Lines suit practices with steady patient counts but lumpy reimbursement schedules.
Invoice factoring accelerates accounts-receivable into same-week cash, useful when Delta Dental or MetLife remittance stretches past thirty days and you cannot wait to pay labs or hygienists.
