INDUSTRY FUNDING
Temp-agency day rates, aging operatories, equipment that gates your production — Coast funds the fixes at the speed your schedule demands, not a bank committee's.
Dental revenue is made chairside, one appointment at a time — which means an unfilled hygiene day isn't deferred production, it's production gone forever. Staffing has become the sharpest constraint in the industry: temp-agency hygienists command premium day rates with no continuity of care, while hiring full-time means committing to payroll before the recall schedule fills back in. The math usually favors the hire. The cash flow usually favors the agency. That gap is a financing problem, and it's a solvable one.
Equipment tells the same story. A CBCT unit, intraoral scanners, or a chairside mill for same-day crowns can change what your practice produces per operatory — but PPO write-offs keep squeezing margins, and the practices competing hardest for your patients are increasingly DSO-backed, with corporate capital behind their technology. Independent dentists win by investing deliberately: in staff, in chairside technology, in patient experience.
Banks genuinely like dentists — for practice acquisitions and ten-year relationships. They're less useful for a $40K operating decision you need to make this month. Coast underwrites on your practice's revenue, a dedicated Business Funding Advisor structures the funding around your production reality, and funding moves in days.
Replace unpredictable staffing-agency day rates with a salaried hire, and finance the ramp while the hygiene schedule fills.
CBCT units, intraoral scanners, chairside mills, chairs, and sterilization — 2–5 year terms with the equipment as collateral.
Fund the build-out and equipment for an additional chair when the schedule says you've outgrown the current ones.
Carry payroll and supplies while PPO claims and patient balances catch up to the production you've already delivered.
Move to digital impressions or same-day restorations without draining the reserves that protect your payroll.
Fund the equipment, training, and marketing behind adding implants, aligners, or sedation to the practice.
| Your situation | The fit | Why |
|---|---|---|
| Equipment quote or invoice in hand | Equipment Financing | $10K–$5M, 2–5 year terms, fixed monthly payments sized to the production the equipment adds |
| A defined investment — a hygienist hire, a new service line | Business Loan | A lump sum with a fixed payment schedule you can weigh directly against agency day rates |
| Reimbursements and patient balances lag your production | Business Line of Credit | Revolving access — draw in the slow weeks, pay only on what you use |
| A newer practice growing faster than its cash | Working Capital | $5K–$2M on 6–24 month terms, underwritten on revenue rather than years of history |
| A smaller need you'd rather handle entirely online | Swell | Coast's online revenue advance — apply in about 15 minutes and draw as needed |
A solo dental practice in the Southeast — about $650K in annual revenue — was tired of paying unreliable staffing-agency rates for temporary hygienists. The owner wanted a full-time hire instead. Coast structured $43K on a 24-month term with fixed monthly payments, funded in two days. Instead of unpredictable day rates and unfilled hygiene days, the practice got one predictable payment and a hygienist whose patients actually come back to her.
A rural dental practice in the Southeast — roughly $1.7M in revenue but only two and a half years old — needed a credit line north of $100K, an awkward profile for banks that want a longer track record. The owner shopped multiple competing offers. Coast's own program won on structure: approximately $125K on a 9-month working capital line, funded within two days.
Coast works with established, producing practices. The floors are simple:
These are minimums, not targets. Higher-production practices routinely qualify for larger amounts and longer terms.
Yes — dental equipment financing from $10K to $5M on 2–5 year terms, with the equipment serving as collateral and fixed monthly payments. That covers CBCT units, intraoral scanners, chairside mills, chairs, compressors, and sterilization equipment. With a quote or invoice in hand, equipment deals move quickly — Coast's equipment team has funded medical and dental equipment the same day.
In many cases, yes. Refurbished chairs, imaging units, and mills are often excellent value, and the financing works the same way: the equipment is the collateral, payments are fixed and monthly. Your advisor confirms eligibility for the specific equipment and seller before you commit to anything.
Run the math and it often does. Compare 24 months of fixed payments against what you're paying in staffing-agency day rates — plus the production lost to hygiene days you couldn't cover at all. One Southeast practice financed $43K over 24 months to convert exactly that problem into a salaried hire, funded in two days.
Yes — the floor is one year in business with $100K+ in annual revenue. Coast has funded a practice just two and a half years old for a six-figure working capital line, because underwriting is built on the revenue the practice produces today, not on a decade of history.
That's how many owners use it. The pressure to sell often comes down to capital — for technology, staffing, and marketing that corporate-backed practices fund from a treasury. Financing those investments on your own terms lets you compete with DSO-backed offices while keeping your name on the door and the equity in your hands.
No — there's no hard credit pull to see your options. Coast uses a soft credit review at application, so you can explore amounts and structures without touching your credit profile. A hard inquiry applies only to certain traditional products — larger equipment deals and SBA loans — and then only with your consent, after an approval you have chosen to move forward with.
Both dental deals described on this page funded within two days of application, and many Coast deals complete within 24 hours of approval.* Speed comes from underwriting on revenue and deposits rather than committee review — you'll know your options quickly, and funding follows fast once documents are signed.
Yes. Buying into or acquiring a practice is one of the clearest uses for an SBA loan — terms run up to 25 years, which keeps the monthly payment low while you take over the patient base. A 10% equity injection is required, and on an acquisition a seller note on full standby can cover half of that, bringing your own cash contribution to as little as 5%. Practice acquisition financing is document-intensive and slower than working capital, so start the conversation early. Your advisor can also structure working capital alongside it for the transition period.
A dedicated Business Funding Advisor can structure capital around how your business actually operates. No hard credit pull to apply.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Client examples reflect actual funded transactions with identifying details removed; individual results vary and are subject to underwriting approval.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.