Whether you're buying a practice, adding a CBCT scanner or opening a second office, Rainstar Capital Group connects dentists with lenders who understand dental economics.
Dental practices are strong businesses, but they're expensive to start, buy and keep current. Digital imaging, intraoral scanners, chairs, lasers and sterilization equipment carry large price tags, and patient expectations keep raising the bar.
Cash flow brings its own challenges. Insurance reimbursements arrive weeks after treatment, collections can lag, and growth means hiring hygienists and assistants before new patients fill the schedule.
We help general dentists, specialists and group practices finance acquisitions, start-ups, build-outs, equipment and working capital, matching each need with the right structure.
Dentistry is one of our favorite industries to finance because great practices never stop investing in their patients. Whether it's a CBCT unit, a new operatory or a practice buy-in, we structure capital that bridges the gap between insurance reimbursements and the growth you have planned.
Every dentist business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Buying an existing practice or a partner's share requires significant capital, especially for younger dentists.
How financing solves itPractice acquisition loans and SBA 7(a) loans fund buy-ins and buyouts with long repayment terms based on the practice's cash flow.
CBCT, digital X-ray, CAD/CAM milling, intraoral scanners and lasers can each cost tens of thousands of dollars.
How financing solves itEquipment financing lets you add revenue-producing technology now and pay for it as it generates new procedures.
Claims take weeks to pay while payroll, lab bills and rent come due on schedule.
How financing solves itA business line of credit bridges the gap between treatment and reimbursement.
Plumbing, electrical, cabinetry and operatories make dental build-outs costly.
How financing solves itTerm loans and SBA financing cover tenant improvements, remodels and new office construction.
Leases rise and landlords may not renew on your terms.
How financing solves itCommercial real estate and SBA 504 loans help you buy your building and build equity instead of paying rent.
Adding hygienists and marketing for new patients costs money before production rises.
How financing solves itWorking capital funds hiring and patient acquisition ahead of revenue.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match dentist owners with the product that fits the need.
Finance the purchase of an existing practice or a partner buyout, often with up to 100% financing for qualified buyers.
Chairs, imaging, CAD/CAM, lasers, sterilization and practice software, new or used.
Buy or refinance your office building or a medical condo.
Long-term financing for start-ups, acquisitions, real estate and debt refinancing.
Smooth out insurance timing, cover payroll and handle unexpected repairs.
Fund construction, equipment and working capital to open a new practice.
Lump-sum capital for remodels, second locations or debt consolidation.
Fast funding for marketing, hiring and short-term needs.
A short application and a few recent bank statements are usually enough to start.
We shop your request across our lender network and walk you through the terms side by side.
Choose the offer that fits and put the capital to work in your dentist business.
Many dental lenders offer high loan-to-value financing for qualified buyers because dental practices have historically strong repayment. Terms depend on the practice and your experience.
Yes. Orthodontists, endodontists, periodontists, oral surgeons and pediatric dentists all have strong financing options.
Often, yes. Start-up and SBA packages can combine construction, equipment and working capital in one loan.
Plan for several weeks, since lenders review practice financials, valuations and the purchase agreement.
Practical articles for dentist owners on cash flow, equipment, real estate and growth capital.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
Checking your options won't affect your credit score. All financing is subject to lender approval.
