Dentist Business Loans
Get up to £6000 funding within 24-48 hours
Deliver exceptional care and upgrade your dental practice with quick, flexible funding. Access up to £300,000 in just 24-48 hours to help your business thrive.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Dentist Business Loans
Finding the right funding for your dental practice is important to keep things running smoothly. Here are five simple and tailored loan options
1. Merchant Cash Advance (MCA)
Get a cash boost upfront based on your daily card sales. Repayments adjust with your income, so you pay more when business is busy and less when it’s quiet.
2. Equipment Financing
Need new dental tools or machines? This option lets you spread the cost of big-ticket items like X-ray machines, sterilizers, or 3D scanners with manageable fixed payments.
3. Business Lines of Credit
Tap into a flexible pool of funds whenever you need it. You only pay interest on what you use perfect for emergencies, repairs, or filling cash flow gaps.
4. Short-Term Loans
Quick funding with fixed repayments, is great for immediate expenses like hiring new staff, restocking dental supplies, or making quick upgrades.
5. Refurbishment Loans
Upgrade your practice with improvements like a cozy waiting area, new treatment rooms, or patient-friendly facilities to make every visit better.
Comparison Table: Types of Restaurant Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or fluctuating income |
Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing new dental equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Emergencies or cash flow gaps |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments | Immediate expenses |
Refurbishment Loans | 1–2 weeks | Yes | Fixed payments | Practice improvements |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.
How MCA Works?
A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.
Benefits of Merchant Cash Advances for Dentists
Flexible Repayments – Aligned with Your Sales
Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.
Compatible with Your Card Machine
No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Dentist Business Loan
Smart Funding to Grow Your Dental Practice
The UK dental industry is thriving, generating over £8.2 billion each year with more than 12,500 practices serving patients. To stay competitive, you need to invest in modern equipment like digital X-rays and comfortable dental chairs, offer advanced treatments, and keep your team trained with the latest skills.
A Merchant Cash Advance gives your practice the financial flexibility to grow. You get quick access to funds, and repayments are tied to your daily card sales—so you pay more when business is busy and less during quieter times. Use the funding to upgrade your tools, expand your team, or create a welcoming space for your patients. It’s funding that works with your practice, helping you focus on what matters most providing great care.
FAQs About Dentist Business Loans
You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.
Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.
Yes! As long as you’ve been trading for at least 3 months with consistent card payments, you’re eligible.
The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.
Applications can be completed online in minutes, with funding available in as little as 24–48 hours after approval.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
