Working capital, built for dental practice

Grow the practice before collections catch up

You added an operatory and a hygienist, but production shows up in the chair months before collections catch up.

We review on production and collections, not credit alone, with the gap between chair time and payment in mind.

Production cycles understood
Solo & group practices
Reviewed on collections

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Production cycles understoodSolo & group practicesReviewed on collections

Sound familiar?

You did the production. Collections are months behind it.

A busy schedule doesn't always mean a full account — production shows up in the chair long before the money shows up in the bank.

You added a hygienist and an operatory, but the production runs months ahead of the collections that pay for them.

With capital in place, you staff and equip on your timeline and let collections catch up instead of carrying the gap yourself.

The imaging or chairside tech that would grow the practice can't wait the cycles it takes for AR to free up cash.

With working capital ready, you add the technology now and start earning on it before collections would have surfaced the cash.

A new service line could lift revenue, but the setup and training come due long before the first case pays.

With funding behind you, you launch on your schedule rather than waiting for collections to slowly fund the move.

You may qualify on your collections and bank activity, with production timing in mind. No obligation, and any payments are structured to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly collections. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What dental practice owners use working capital for

Chairs & imaging

Add operatories, chairs, or imaging technology.

Hire hygienists

Expand your team to see more patients.

Office build-out

Renovate or expand your office footprint.

Practice software & tech

Upgrade practice management and patient tools.

New-patient marketing

Grow new-patient flow with local campaigns.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Production vs collections

The gap between chair time and collections is expected.

Deposit consistency

Steady monthly collections across recent months.

Time in practice

Operating history of the practice strengthens the file.

We factor production and collection patterns common to dental offices.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time in practice: 6+ months operating
Time in practice: Brand new / under 3 months
Monthly collections: Steady month to month
Monthly collections: Thin or highly variable
Bank activity: Holds through the lag
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

Production is up but collections lag — does that hurt?

No. The gap between production and collections is normal in dental. Underwriting reviews your collection deposits over time, not a single month.

Can I fund a new operatory or hygienist?

Yes — equipment, build-outs, and hiring are common uses. Amounts depend on underwriting and your collections history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.