From intraoral scanners to opening satellite offices, buying out a partner or adding in-house aligner production, Rainstar Capital Group connects orthodontists with commercial financing built around long patient payment plans and back-to-school demand.
Orthodontic practices collect much of their revenue over the life of treatment, often through in-house payment plans. That's great for patients and challenging for practice cash flow, especially when you're investing in digital workflow and new locations.
The right financing turns those pressures into opportunities. It lets orthodontists invest in intraoral scanners, 3D printers, panoramic and cephalometric X-ray, chairs and clear-aligner technology, keep brackets, wires, aligner materials and retainers on hand and pursue growth such as opening satellite offices, buying out a partner or adding in-house aligner production, without draining the cash that keeps daily operations running.
We work with solo and group orthodontic practices, pediatric orthodontists and multi-location practices, and we structure every request around the realities of your cash cycle, from long patient payment plans and back-to-school demand to the equipment and space you need to grow.
Orthodontic practices deliver results that change lives, and we're proud to support them. When so much of your revenue rides on 24-month payment plans, we provide the capital to keep investing in scanners, aligner workflows and new offices without waiting on collections.
Every orthodontist business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
Much of your revenue arrives as patient payment plans that collect over 18 to 30 months of treatment, while payroll, rent and suppliers are due now.
How financing solves itInvoice factoring or a receivables-based line of credit advances cash against what you've already earned, so operations never wait on customers.
Intraoral scanners, 3D printers, panoramic and cephalometric X-ray, chairs and clear-aligner technology are expensive to buy and maintain, and when they fail, revenue stops.
How financing solves itEquipment financing spreads the cost of orthodontic technology over its useful life, uses the equipment as collateral and preserves your cash.
Keeping brackets, wires, aligner materials and retainers on hand requires significant capital, especially ahead of busy periods or when suppliers offer volume pricing.
How financing solves itInventory financing and short-term working capital let you stock up strategically without starving the rest of the business.
Opportunities like opening satellite offices, buying out a partner or adding in-house aligner production require capital up front and take time to pay back.
How financing solves itTerm loans and SBA 7(a) loans provide longer repayment schedules that match the payback of growth investments.
Rising rent on your orthodontic office can erode margins at every renewal, and landlords may not renew on your terms.
How financing solves itCommercial real estate loans and SBA 504 financing help you buy your property, lock in occupancy costs and build equity.
In-house financing for patients means you've delivered the case but collect slowly over many months.
How financing solves itA line of credit or term loan bridges the gap so you can keep offering patient-friendly plans without straining operations.
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match orthodontist owners with the product that fits the need.
Flexible, revolving capital for payroll, supplies and seasonal gaps. Draw what you need and pay interest only on what you use.
Turn patient payment plans that collect over 18 to 30 months of treatment into immediate cash.
Fund brackets, wires, aligner materials and retainers so you never miss a sale or a supplier deal.
Finance the purchase of a practice or a partner's equity with terms based on practice cash flow.
Finance intraoral scanners, 3D printers, panoramic and cephalometric X-ray, chairs and clear-aligner technology, new or used, often with little money down.
Purchase, refinance or expand your orthodontic office with long-term fixed or variable options.
Government-backed loans with longer terms for acquisitions, real estate, equipment and refinancing.
A lump sum for opening satellite offices, buying out a partner or adding in-house aligner production, repaid on a predictable schedule.
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 orthodontist business.
Orthodontists commonly use business line of credit, invoice factoring, inventory financing, practice acquisition & buy-in loans, equipment financing and commercial real estate. The right mix depends on what you're funding, how quickly you need it and how long you've been in business.
Yes. Equipment financing covers intraoral scanners, 3D printers, panoramic and cephalometric X-ray, chairs and clear-aligner technology, both new and used. The equipment typically serves as collateral, which can make approval easier and keeps your cash free for operations.
In-house financing for patients means you've delivered the case but collect slowly over many months. A line of credit or term loan bridges the gap so you can keep offering patient-friendly plans without straining operations.
Working capital and lines of credit can fund in days. Equipment financing often takes about a week. SBA and commercial real estate loans take longer because of underwriting and appraisals.
Not necessarily. Lenders look at cash flow, time in business, collateral and credit together. We start with a soft review where possible so you can see your options before anything affects your score.
Practical articles for orthodontist 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.
