Dental Practice MCA
Dental practice MCA serves general and specialty dental practices with underwriting reflecting insurance reimbursement cycles, equipment investment patterns, and dental practice economics typically favorable for MCA financing.
Why This Matters
Dental MCA characteristics: insurance reimbursement central to revenue (PPO and Medicaid timing patterns), equipment-intensive (chairs, imaging equipment, lasers), real estate-heavy (often own building or substantial lease), and personal credit strong (dentists typically excellent credit profiles). Pricing favorable: factor rates 1.15-1.30 reflecting lower default rates and strong merchant profiles. Use cases include equipment financing (CEREC machines, cone beam imaging, lasers $100K+ each), practice acquisition financing, partner buyouts, and practice expansion. Larger advances common ($250K+) reflecting practice scale.
Frequently Asked Questions
Frequently Asked Questions
Why is dental MCA favorably underwritten?
Stable insurance-driven revenue, high credit scores, professional licensing protection (license loss catastrophic — strong default deterrent), longer practice lifecycles, and substantial real estate often providing additional security signal.
What's the typical dental MCA size?
Larger than general SMB — average $100K-$500K reflecting practice scale. Multi-doctor practices and specialty practices (oral surgery, orthodontics, periodontics) often pursue $500K-$1M advances.