Business Loans and Lines of Credit for Dental Professionals

Is Your Dental Practice Ready To Grow?

ARF Financial provides business loans and lines of credit designed for dentists, orthodontists, periodontists, prosthodontists, endodontists and oral surgeons. With an established track record of providing financing to dental professionals, our team of seasoned loan consultants specialize in customizing one of our lending products to meet your needs and keep your practice profitable. Do you have student loans? No problem! Most dentists and dental practitioners come with student loans, and we have loan products designed specifically to take those into account. We understand your unique needs and have loans and lines of credit to fit every situation.

At ARF, our focus is to get you the capital you need, and we can do it fast, all while providing seasoned guidance to help you maximize your return on investment. Running a successful dental practice takes much more than just dental school training. It also takes ongoing access to capital to remain relevant and profitable. Banks continue to tighten their lending requirements resulting in diminished access to such dental practice loans. This means that many dental practitioners are forced into more expensive financing options such as merchant cash advances to make ends meet.

Even without an immediate need, dental professionals are establishing lines of credit now. Being prepared is smart. They realize how growth opportunities and unexpected expenses can arise quickly, and having quick access to committed working capital allows them to be ready for anything!

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take your dental practice to the next level, we have financing that’s the perfect fit. You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan size is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:

*Completing an online application only takes 10 minutes and won’t affect your credit.

Why Makes ARF Financial Different?

Since 2001, ARF Financial has helped thousands of dental professionals like you secure over a billion dollars in loan proceeds! Our loans are not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction. We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop and supplement your cash flow during slow, seasonal periods. Here are some valuable options to put our dental practice financing to work in your business:

Renovate or remodel your offices

Purchase or upgrade equipment and technology

Provide additional training or hire new staff

Paying off other loans or other outstanding debts

Open another location or purchase a dental practice

Add new cosmetic dental services and procedures

Bridge private carrier or Medicare/Medicaid insurance payments

Buy out a business partner or buy into a new opportunity

Overcome short-term cash flow difficulties

Take advantage of other business opportunities

What Our Customers Are Saying

The Difference is Insight

Flexible Loan Terms that Make Sense

ARF Financial will provide you the one-on-one support you deserve to ensure your loan is customized to specifically meet your needs and your individual business situation.  Whether you’re upgrading your equipment and technology, adding new clinical services, or simply improving your cash flow while waiting on historically slow insurance payments, ARF Financial is here to help.  We provide a complete range of loan options for dental professionals, whether you need $5,000 or $1 million in working capital. And when you apply for funding through ARF Financial, the interest you pay on your loan is tax deductible!

It Pays To Be Prepared

There are countless reasons why dental institutions of all sizes turn to ARF Financial for their dental practice financing needs. Every loan we provide comes with an optional line of credit with 24-hour access to the capital you need when you need it. We offer flexible terms up to 36 months. Loans over $500,000 we will work with you to find the best possible mix to get you funded. What’s more, there’s very little paperwork to complete, and approvals are granted in 24 to 48 hours.

Loan Program Advantages

Access loan amounts from $5,000 to $1,000,000

Fixed repayment terms up to 36 months

Fast approvals and fundings in less than a week

Ability to defer up to 50% of your loan principal for the lowest payments now

All loans come with optional line of credit with access to 5 loan drafts for 6 months

Interest is tax-deductible, further lowering your cost of funds

Early payoff options are available

What is a dental practice loan or line of credit?

Our dental practice financing is a customized business loan and lines of credit designed specifically for dental professionals. These loans and lines of credit take into consideration the unique needs of dentists including business model, partnership structure and timeliness of funding for emergencies. Our dental practice financing options are also used to retain equity or buy back equity from business partners. Some owners simply use our loans and lines of credit as bridge financing until payments come through from insurers.

Who needs dental practice financing?

Dental practice financing is available to any dentist who needs capital to fund projects such as equipment purchases, inventory financing, building renovations, practice expansions, upgrading computer systems, paying off outstanding debt, buying out a business partner, licenses, signage, adding cosmetic procedures/services, marketing and advertising, opening a new practice, and stabilizing cash flow for emergencies and opportunities. These are just a few recurring reasons dental professionals choose ARF Financial first.

Smart dental professionals are choosing our financing because rates are low, repayment terms are longer, and payments are fixed. Repayment of our loans and lines of credit are not tied to your credit card receipts which means your payments remain the same, perfect for keeping your cash flow stable, with a working capital cushion that’s available when needed.

Dental practice loan versus a merchant cash advance.

A merchant cash advance is nothing like a dental practice loan. It is a form of factoring where a financial services company buys a portion of your future credit card sales at a discount, typically up to 38%, and then electronically debits a percentage of your daily credit card receipts until the agreed upon amount has been paid back.

restaurant loan advantages restaurant loan chart

The problem? As shown in the graph, the more money you make, the faster they get paid back, thus raising the cost of funds significantly.

Dental professionals, like many business owners, are constantly being offered cash advances by their credit card processors. However, with many cash advances, your payment can change each week, or even daily, based upon your sales. While merchant cash advances appear to be a quick and easy option for dentists, but it’s actually much more expensive in the long run. ARF Financial offers low, fixed weekly payments that never change – great for budgeting and cash flow. As with most merchant cash advances, you may be required to change credit card processors depending on the company offering it. With ARF Financial, there is no need to change your existing credit card processor, and there are no complicated reconciliations to perform.

If your business is growing, don’t pay back your cash advance with a percentage of your Mastercard and Visa sales! As a successful dentist, why undermine your company’s operating health by giving away your increased sales? Also, unlike a merchant cash advance, the interest on our dental practice loans is tax deductible. This effectively lowers the total cost of your funds in the long run.

A dental practice loan with ARF Financial is the preferred choice compared to a merchant cash advance. Rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Most importantly, as your sales increase, your payments remain fixed. That means you, the owner/practitioner, reap the benefits of increased sales, not the cash advance company.

No matter what the future holds, ARF Financial is your best choice for dental practice loans and lines of credit to capitalize on new business opportunities – often when conventional banks simply won’t consider it.

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.


Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).


Annual Sales

Your business must generate a minimum of $17,000 per month in gross sales ($200,000 annually) from both credit card and cash.

How to Apply for a Dental Practice Loan?

If you own a dental practice and are looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 prequalification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process.

Our Unique Loan Products


Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low, interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

Business Loan Calculator

Use our business loan calculator to calculate loan amount!

Annual Sales
Time in Business
FICO Score
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Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.

Terms & Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.