Dental Practice Loans in Provo, UT
Dental practice loans in Provo connect you with capital for equipment purchases, practice acquisitions, tenant improvements, and working capital.
Dental practice loans in Provo connect you with capital for equipment purchases, practice acquisitions, tenant improvements, and working capital.
Dental practice financing in Provo requires lenders who understand high equipment costs, long buildout timelines, and the gap between service delivery and insurance payment. Most Utah County practices carry $300,000 to $800,000 in chairs, imaging systems, and sterilization equipment that depreciates quickly but remains essential. When you're competing for patients along University Parkway or near the Shops at Riverwoods, outdated technology costs you referrals. Traditional banks hesitate because they see dental offices as equipment-heavy with unpredictable cash flow, especially during the first eighteen months. Provo's proximity to dental schools means new graduates often lack the credit history or down payment banks demand, even when patient lists and production numbers justify the loan.
Loan programs
SBA 7(a) loans remain the gold standard for dental practice acquisitions and major expansions in Provo. You can finance up to 90% of a practice purchase, including goodwill, with ten- to twenty-five-year terms that match your revenue growth. Equipment financing covers chairs, Cone Beam CT scanners, CAD/CAM systems, and laser units without tying up your operating cash, lenders use the equipment itself as collateral, so approval moves faster. Commercial real estate loans work when you're buying the building that houses your practice in Orem or Pleasant Grove, letting you lock in occupancy costs and build equity. Business lines of credit smooth out the lag between treatment and insurance reimbursement, covering payroll and supplies when Delta Dental or Select Health payments run late. For practices already generating strong revenue but waiting on receivables, invoice factoring converts outstanding insurance claims into immediate cash.
We don't lend money. We connect you with the lenders who specialize in dental practice loans and understand your revenue model. A general practitioner buying an existing office in Springville has different needs than an oral surgeon opening a new location in Lindon, and we match each scenario to the right program. We gather your production reports, lease agreements, and equipment lists, then present your deal to multiple lenders simultaneously. That competition often yields better terms than walking into a single bank. We also translate dental-specific metrics, patient retention, hygiene recall rates, PPO participation, into the language lenders want. When a lender balks at your startup costs or questions your projections, we've already framed the conversation around industry benchmarks they trust.
Dr. Martinez runs a two-chair general practice near Provo High School. A retiring periodontist two blocks away offers to sell his four-chair office, patient list, and specialized equipment for $950,000. Dr. Martinez has strong personal credit and three years of tax returns showing steady growth, but his bank wants 30% down, cash he'd rather keep for working capital during the transition. We structure an SBA 7(a) loan covering 90% of the purchase price, pair it with a small equipment line for technology upgrades, and arrange a business line of credit to bridge receivables during the first six months. The deal closes in sixty days, and Dr. Martinez absorbs the retiring doctor's patients without draining his reserves.
Serving the Provo area
We know which lenders fund which kinds of Provo businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.