Dental Practice Loans in Hollywood, FL
You need capital to replace a CBCT scanner, finish a tenant build-out on Federal Highway, or cover payroll until insurance reimbursements catch up.
You need capital to replace a CBCT scanner, finish a tenant build-out on Federal Highway, or cover payroll until insurance reimbursements catch up.
Dental offices carry expensive fixed assets, chairs, sterilizers, digital radiography, CAD/CAM mills, that depreciate fast but remain essential to revenue. Lenders want proof you can service debt through patient volume and payor mix, not just personal credit, which makes dental practice financing more document-heavy than a retail loan.
Hollywood sits along a dense urban corridor where real estate moves quickly and lease rates climb every cycle. If you're expanding from a 1,200-square-foot suite to a 2,400-square-foot build-out near the Broadwalk or Young Circle, you'll need both construction capital and enough working reserves to cover the three months you're dark during tenant improvements. Most community banks will finance equipment but balk at covering soft costs or working-capital gaps during the transition.
Insurance reimbursement lag is the other pressure point. You deliver a full-mouth reconstruction in week one, submit claims in week two, and wait sixty to ninety days for payment. Payroll, lab bills, and supply invoices don't wait. A dental business loan structured as a line of credit or invoice-factoring facility smooths that cash cycle without forcing you to delay cases or turn away patients.
Loan programs
SBA 7(a) loans cover practice acquisitions, partner buy-outs, tenant improvements, and equipment purchases up to $5 million with longer amortization than conventional banks offer. Equipment financing isolates the collateral to the asset itself, think chairs, lasers, autoclaves, so you preserve liquidity for operations.
Working-capital lines bridge the reimbursement gap. Commercial real estate loans lock down the building if you're buying your own suite or the entire medical plaza. Invoice factoring advances cash against outstanding insurance claims when you can't wait another month. Each structure answers a different operational need, and most practices layer two or three at once.
We pre-qualify your scenario, pull together financials and a use-of-funds memo, then submit to the two or three lenders in our network who close dental deals in South Florida. You avoid shotgun applications that ding your credit and waste weeks on dead ends.
Dental practice lenders care about patient charts, active-patient count, payor breakdown (PPO versus fee-for-service versus Medicaid), and your associate agreements. We know which underwriters want a rolling twelve-month profit-and-loss, which accept tax returns only, and who will waive personal-guaranty carve-outs if you pledge the equipment. That institutional knowledge saves you months.
A prosthodontist near the ArtsPark wanted to buy his building, a 3,000-square-foot converted house on Harrison Street, before the landlord sold to a developer. Purchase price: $875,000. He had $175,000 in cash and strong collections but only two years of ownership history. We brokered an SBA 504 loan (not 7(a) because real estate was the sole use) that covered 90 percent loan-to-value, kept his down payment at 10 percent, and fixed the rate for twenty-five years. Closing took eleven weeks start to finish, and he now controls his own rent.
Serving the Hollywood area
We know which lenders fund which kinds of Hollywood 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.