Unsecured Loans and Lines of Credit for Dental Practices
Is Your Dental Practice Ready to Grow?

ARF Financial has unique business financing loans and lines of credit designed for dentists, orthodontists, periodontists, pedodontists, prosthodontists, endodontists and oral surgeons. With an established track record of providing dental specialist financing, our team of professional loan consultants specialize in delivering the trusted lending services you need to save on financing and keep your practice profitable. Do you have student loans? No problem! Most dentists and dental practitioners come with student loans and we have designed loan products 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 when you need it, 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.

Why is ARF Financial Different?

Since 2001, ARF Financial has lent hundreds of millions of dollars to thousands of dental and specialty practice owners just like you! 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. Here are some valuable options to put dental financing to work in your business:

Remodel 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

Buy a dental practice

Add new ancillary services

Bridge private carrier or Medicare/Medicaid insurance payments

Buy out a business partner or buy into a new opportunity

Overcoming short-term cash gaps

Take advantage of other business opportunities

What is a Dental Practice loan or Line of Credit?

A dental practice loan is a lending product designed specifically for owners and operators of a dental practice or ancillary company. A dental practice loan takes into consideration the unique needs of dental practitioners including business model, partnership structure and timeliness of funding for emergencies. Our dental practice loans are also used to retain equity or buy back equity from business partners. Some dental practitioners simply use our loans and lines of credit as bridge financing until payments come through from insurers.

For over 20 years, ARF Financial has accommodated the unique needs of dental professionals, offering dental practice loans in the form of lines of credit, flex pay loans, bridge loans and working capital loans. Dental practice loans from ARF Financial are available from $5,000 to $1 million.

Our simple, 5-step dental practice loan application allows quick approvals and funding in 3 days. This application is free and does not impact your credit score. Our loan consulting team can also walk you through the many dental practice loan options available. Simply choose your state on the map and contact your local loan consultant for information on our dental practice loans.

Who Needs A Dental Practice Loan?

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

Smart dentists and dental practitioners are choosing our dental practice loans because there is no collateral required, rates are low, the terms are flexible, and payments are fixed. These dental practice loans are not tied to your credit card receipts which means you have access to a working capital cushion that is available for any business opportunity, repairs or for cash flow needs.

Dental Practice Loan Versus a Merchant Cash Advance

A merchant cash advance is not a dental practice loan. It is a form of factoring where a financial services company buys 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 to your business significantly.

Dentists and 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 busy dental practitioners, a dental practice loan is actually just as quick and cost way less in the long run. ARF Financial offers fixed, weekly payments that never change – great for budgeting and cash flow. As with most deals, the merchant cash advance depends 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.

Our dental practice loans do not rely on a registered card platform or credit card transactions for re-payment. Therefore, you can implement any marketing program you desire to drive sales without the risk of double dipping. Don’t let other companies convert your existing patients into discount patients.

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

An unsecured 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 dental practitioner, reaps 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.

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. There’s no collateral required on loans up to $500,000, and we offer flexible terms up to 36 months. Loans over $500,000 that require some collateral 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.

How to Qualify for a Dental Practice Loan

Dental practice loans are approved based on different qualifying criteria. No single requirement will guarantee a dental practice loan. However, dental practitioners should be prepared to produce key documents about their business and other personal data to receive an approval.

  • Time in Business

A key criteria to qualify for a dental practice loan is the length of time the dental practice has been operating. At ARF Financial, dental professionals with a minimum time in business of 1 month can qualify for a dental practice loan. Again, we will work with your unique circumstances as much as possible up to and including balancing the desired loan amount with credit scores, cash flows, and time in business.

  • Business Checking or Savings Accounts

When it comes to qualifying for a dental practice loan, a checking account gives definitive evidence of the business’ cash flow, if your practice does not have one, it can create difficulty in assessing the creditworthiness.

  • Credit Score

Please note we did not list credit score as the first or most important qualifying criteria for a dental practice loan. ARF Financial uses a mix of criteria working with your unique circumstances in order to make a final decision. A minimum credit score of only 551 is required. We have also partnered with many bank partners to offer even more options for dental practitioners with less than perfect credit but good operating potential.

  • Annual Sales

At ARF Financial, we require businesses to generate a minimum, total annual income (cash and credit card) of $100,000 to qualify for a dental practice loan.

  • Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt to credit ratio in order to qualify for a dental practice loan. If your practice is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies.

Business Loans for Dental Practitioners

You’ve worked hard to get where you are and you’re not short on ideas to grow your dental practice. All you need is the capital that banks are reluctant to provide. Maybe you’ve considered opening a new location or renovating your existing facility. It could be purchasing new equipment or adding an ancillary service to attract more patients. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential – often when conventional banks simply won’t consider it. You can access between $5,000 and $500,000 for your practice without the need for collateral and with limited paperwork.

A Dental Practice Loan Without the Hassle

ARF Financial has built relationships with banks around the country, so you can acquire a dental practice loan quickly without collateral and with limited paperwork. These are actual bank loans, not cash advances. Repayment has nothing to do with your credit card receipts. This means the interest you pay is tax deductible, rates are fixed, and you know the terms ahead of time. Our clients get the financing they need quickly, with manageable payments that won’t increase as revenue grows. With an ARF Financial dental practice loan, you actually are rewarded for your success and you keep more of what you earn.

Our Dental Practice Loans Feature

  • A Renewable Line of Credit with 24-hour availability
  • Quick approvals and fundings in as little as 3 days
  • No collateral required on amounts up to $500K
  • Terms from 12 to 36 months with low weekly payments
  • Low rates, fixed payments and no hidden fees
  • Tax deductible interest and early pay off options

How To Apply For A Dental Practice Loan

If you are a business owner looking for a dental practice loan with guaranteed rates, fixed terms and affordable payments, simply begin your free online applciation today. We have local loan consultants who are knowledgeable about your specific market and will work side-by-side with you throughout the process. Our online application is free and there are no hard credit pulls so your credit will not be affected. Get your online offer today!

$2,000 New Client Offer

Through our New Client Rewards Program you can receive an Amex Gift Card up to $2,000* after your loan funds – no strings attached .

*Receipt of the Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant’s completed application to receive a $2,000 gift card.This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 30 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Loan Calculator

Use our Business Loan Calculator to Find Out How Much You Qualify for:

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Time in Business
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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 personal and business bankruptcy


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 personal 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.

Receive an offer and approval for funds in 24 to 48 hours when you apply online!

It’s quick and won’t affect your credit!

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