Group of three young dentists.

Financing a Dental Practice Transition

In nearly every dental practice transition some type of financing will need to be acquired to complete the dental practice transition. An ADS member specialist will work with you to ensure that the financing process goes smoothly during your transition.

The ADS network has relationships with every major lender throughout the country. Our preferred lenders have been established leaders in the industry, demonstrating an understanding for the unique dental practice transition process. Our preferred lenders include Bank of America Practice Solutions, Wells Fargo Practice Finance, Wintrust Commercial Banking – Professional Practice Group, and Pacific Continental Bank Dental Financing Solutions.

Wells Fargo Wintrust Commercial Banking Pacific Continental

Bank of America

What Can You Do With Financing?

Dentists will face various financing questions throughout the life of their dental practice. Financing may be necessary for a dental practice owner in one, or more, of the following situations:

  • Purchase or start your own practice
    Whether you're ready to own a dental practice or join an existing one, an ADS member broker can help you find the financing you need to realize your professional goals.
  • Expand or relocate your practice
    When business is good and its time to expand your existing location or relocating, ADS can help you find the funding, with both national and local lenders, to support your growth.
  • Upgrade equipment, technology, or systems
    Hardware and software can become outdated. Keeping up with current management systems and tools to keep your patients happy is vital for growth. In this case, ADS member brokers can assist in finding equipment financing to help you move forward.
  • Jump-start future growth
    You may wish to use your existing practice equity to remodeling your office or update your marketing activities. An ADS transition specialist can advise you how best to "invest in yourself and your practice."
  • Build practice equity with commercial real estate
    Many doctors nowadays seek financing for land and building purchases, new construction and large practice acquisitions. ADS can help you understand these specialized financing programs.
  • Consolidate business debt
    This is recommended by most financial advisers. An ADS transition specialist can facilitate an increase in your dental practice cash flow with debt consolidation or dental practice refinancing.

SBA vs. Traditional Small Business Bank Loan

Many dentists do not understand the difference between an SBA and traditional small business bank loan.

With a typical bank loan, you and your assets are on the line. Most banks try to secure as much as they can in their investment, including personal assets. In some cases, it has become harder and harder for dental practice buyers to get unsecured loans. Many times these loans come with a higher interest rate and are riskier for the borrower.

An SBA facilitated loan is where the government guarantees a certain percentage of the defaulted loan if the lender is unable to pay. The goal of most SBA loans is to boost the economy by increasing lending to start-up businesses.

An ADS dental transition specialist can help you understand whether a traditional or SBA loan makes more sense for your business and help you through this important decision.

How does a buyer get financed for a dental practice transitions?


Whether you're buying your first dental practice, planning for retirement, or making a lateral shift in the middle of your career, we have the experience to help.

Contact a Specialist