Dental Practice Loans in Daly City, CA
Dental practice loans in Daly City fund equipment purchases, tenant improvements, working capital, and practice acquisitions for general dentists, specialists, and DSO-affiliated clinics.
Dental practice loans in Daly City fund equipment purchases, tenant improvements, working capital, and practice acquisitions for general dentists, specialists, and DSO-affiliated clinics.
Daly City dental practices face capital demands most Main Street businesses never see: digital radiography systems run $40,000 or more, CBCT scanners push six figures, and tenant improvements in the older commercial strips along El Camino Real or Geneva Avenue often require full HVAC and plumbing upgrades to meet health-department codes. Conventional banks hesitate when collateral is bolted to walls or depreciates fast, and credit cards carry rates that erode profit faster than you can bill insurance. We broker dental practice financing that underwrites against your patient schedule and accounts receivable, not just hard assets.
Loan programs
SBA 7(a) loans cover practice acquisitions, major renovations, and equipment packages with ten- to twenty-five-year amortizations that keep monthly debt service manageable even when Delta Dental reimbursements lag. Equipment financing isolates chair units, CAD/CAM mills, and lasers into separate schedules so you're not tying up a real-estate line of credit on depreciating assets. Working-capital term loans and business lines of credit bridge the gap between procedure completion and insurance payout, critical when you're carrying $30,000 in unbilled hygiene and restorative work. Invoice factoring turns outstanding claims into same-week cash if a payer dispute stalls your cycle.
For a start-up practice leasing space in one of the newer Broadmoor plazas, we often layer an SBA 7(a) loan for build-out and initial inventory with equipment financing for the operatory package, keeping your equity in reserve for the first six months of payroll.
We know you didn't spend four years in dental school learning to fill out bank questionnaires. Our documentation process starts with your production reports and a balance sheet, software exports from Dentrix or Eaglesoft work fine, then we organize tax returns, lease agreements, and vendor quotes into lender-ready packets. Most dental practice lenders want three months of schedule-C or corporate returns, a current aging report, and proof of malpractice coverage; we tell you exactly which PDFs to pull and handle the rest. You'll spend twenty minutes on a call with us and another ten minutes scanning documents, not three weeks chasing addenda.
A two-doctor general practice on Southgate Avenue needed $180,000 to replace analog X-ray units, add a Cerec system, and refinish four operatories before a scheduled PPO credentialing audit. The building was older, so the landlord required new medical-gas lines. We brokered a seven-year equipment term loan for the clinical hardware and a separate five-year improvement loan tied to the lease term, synchronized payments to hit thirty days after the upgrade was complete, and the practice passed its audit with room to add evening hygiene hours.
Call Hazelcrest Financial at (650) 659-4959 or visit our office at 323 89th St, Daly City, CA 94015 to discuss your equipment list, expansion timeline, or acquisition letter of intent. We serve practices throughout Daly City and surrounding areas, including South San Francisco, Pacifica, and San Bruno. For broader commercial financing options in Daly City, explore our full program suite.
Serving the Daly City area
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Common questions
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Why Daly City owners trust Hazelcrest Financial