For more than 40 years, Market Capital Lending has helped professionals buy and build their practices — part of the $375 million+ we've arranged for our clients. Buying a dental practice is one of the best uses of an SBA loan: it can finance the goodwill (the patient base and going-concern value), the equipment, and even the real estate, with lower down payments and long terms. We're a veteran-owned, SBA-approved broker. Below, here's how dental practice financing works.
Why the SBA is ideal for buying a practice
A dental practice's value is largely goodwill — the patient base, cash flow, staff, and reputation — which conventional lenders struggle to finance. The SBA 7(a) program was built for exactly this: it can fund the goodwill, the equipment and technology, working capital, and (when applicable) the building, all in one loan with a lower down payment than a conventional deal. That's why most dental acquisitions run through SBA financing. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
What we finance
We arrange financing for dental practice acquisitions, partner and associate buy-ins/buyouts, equipment and technology, build-outs for a new or relocating office, and commercial real estate purchases for practice owners. It's a good fit for medical and other practitioners too. Buying a practice? Our business acquisition expertise and complimentary cash-flow analysis help confirm it prequalifies for SBA 7(a) financing.
Why choose Market Capital Lending
Practice deals reward a lender who understands goodwill and cash flow. As a veteran-owned, SBA-approved broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we structure your acquisition for approval and match it to a lender active in healthcare. Start your application or call us.
Dental Practice Acquisition Loan, Buyout, Equipment and Real Estate
A dental practice acquisition loan can finance the purchase of a practice, a partner buyout, new equipment, and — when you own the building you operate in — owner-occupied real estate. SBA 7(a) is widely used because it can combine goodwill, equipment, and working capital in a single transaction.
Related: SBA 7(a) loans, medical practice financing, and business acquisition loan down payment.
Frequently asked questions
Can I finance a dental practice acquisition, including goodwill?
Yes. SBA 7(a) loans are designed to finance the goodwill of a practice — the patient base and going-concern value — along with equipment, working capital, and sometimes the real estate.
Can I finance a partner buyout or buy-in?
Yes. SBA and conventional financing can fund a partner buyout or an associate buying into a practice, structured around the practice's cash flow.
Do I need to buy the real estate too?
No — you can finance just the practice (goodwill and equipment), or include the real estate if you're buying the building. We'll structure it to fit.
What if I'm a new dentist buying my first practice?
That's a common SBA scenario. Lenders weigh the practice's cash flow heavily, so a strong practice can support a first-time buyer with the right structure.