Running a successful oral surgery practice requires more than clinical expertise. From purchasing cone-beam CT scanners and surgical suites to hiring anesthesiologists and managing cash flow between patient payments and insurance reimbursements, the financial demands of an oral maxillofacial surgery practice are substantial. Oral surgery practice loans give practice owners the capital they need to grow, modernize, and thrive - without depleting reserves or waiting on slow insurance cycles.
This guide covers everything oral surgeons need to know about financing options, qualification requirements, loan amounts, and how to find the best funding for your practice's specific needs.
In This Article
Oral surgery practice loans are specialized business financing products designed for oral and maxillofacial surgery practices. These loans provide capital to cover the high-value equipment, facility needs, staffing costs, and working capital requirements unique to surgical dental specialties.
Unlike general small business loans, oral surgery practice financing accounts for the irregular cash flow patterns of surgical specialties - where large insurance reimbursements often arrive weeks or months after procedures are performed. Lenders experienced with healthcare practices understand the revenue cycle and underwrite accordingly, making it possible for practices to secure larger loan amounts with favorable terms.
Oral surgeons use practice loans for a wide range of purposes, from acquiring a dental implant system or upgrading a CBCT scanner to purchasing a practice outright, adding a second location, or managing the operational costs of running a full-time anesthesia program.
Industry Snapshot: According to the American Association of Oral and Maxillofacial Surgeons (AAOMS), there are approximately 9,000 practicing oral surgeons in the United States. With average practice revenue ranging from $1.5 million to $3.5 million annually, access to capital is a core factor in practice growth and long-term success.
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Apply Now - Takes Just Minutes →Oral surgery financing offers several distinct advantages that make it attractive for practice owners at every stage of growth:
Oral surgeons have access to multiple financing products, each suited to different needs and timelines:
Equipment financing is specifically designed for the purchase of high-value surgical tools, imaging technology, and facility upgrades. The equipment itself serves as collateral, which typically results in lower interest rates and longer repayment terms than unsecured loans. Common uses include CBCT scanners ($80,000-$150,000), surgical chairs and units, digital X-ray systems, dental implant systems, and autoclaves. Crestmont Capital offers equipment financing and equipment leasing options tailored for medical practices.
When an oral surgeon is purchasing an existing practice, acquisition financing can cover the full purchase price, working capital, and transition costs. These loans are often structured with longer terms (10-15 years) to keep monthly payments manageable while you build the new practice's revenue base.
Working capital loans provide short-to-medium-term cash infusions for operational needs - covering payroll during a slow period, stocking up on surgical supplies before a busy season, or bridging the gap while waiting on insurance reimbursements. Our unsecured working capital loans can be approved and funded in as little as 24-48 hours.
A business line of credit gives oral surgery practices a revolving credit facility they can draw from as needed. This is ideal for managing cyclical cash flow, handling unexpected equipment repairs, or covering short-term operating gaps. You only pay interest on what you draw, making it a cost-effective tool for practices with variable revenue.
SBA 7(a) loans are a popular option for established oral surgery practices seeking larger loan amounts ($500,000 to $5 million) with long repayment terms. The SBA guarantee reduces risk for lenders, which typically translates into more favorable rates for borrowers. However, SBA loans require strong financial documentation and can take several weeks to process. Learn more about SBA loans for healthcare practices.
Traditional term loans provide a lump sum upfront with fixed monthly payments over a set period. They are versatile and can be used for nearly any practice need - from facility renovations to hiring and onboarding new staff members.
Pro Tip: Many oral surgery practices use a combination of financing products - for example, equipment financing for a new surgical suite paired with a line of credit for working capital management. This "stacked" approach keeps each loan aligned with the asset or need it's funding, which often results in better terms overall.
The process of obtaining oral surgery practice loans is straightforward for established practices with documented revenue history. Here's what to expect:
Before applying, clarify what you need the funds for and how much you need. Equipment purchases have defined costs; working capital needs may require a cash flow analysis. Having a clear purpose improves your application and helps lenders structure the best product for your situation.
Most healthcare practice lenders will ask for: three months of business bank statements, a recent profit and loss statement, your practice tax returns (typically 2 years), a completed business loan application, and for larger loans, a practice valuation or appraisal.
Many lenders, including Crestmont Capital, offer online applications that take just a few minutes to complete. For working capital loans and equipment financing, same-day approvals are common for qualified practices.
Once approved, you'll receive a detailed loan offer including the amount, interest rate, repayment term, and any fees. Review the terms carefully before accepting, and don't hesitate to ask questions or negotiate.
After you accept the offer and complete any required documentation, funds are typically deposited directly into your business bank account within 1-3 business days for most loan products.
Qualification requirements vary by lender and loan type, but most oral surgery practice financing programs look for the following:
Even practices with some credit challenges can often qualify for alternative financing products. If your credit score is below 650 or your practice is newer, specialized healthcare lenders offer programs for these situations.
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Check Your Options →Oral surgery practices typically qualify for significantly larger loan amounts than general small businesses, reflecting the high-value nature of surgical equipment and the strong revenue profiles of established practices.
| Loan Type | Typical Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $25K - $2M+ | 3-7 years | CBCT, surgical units, implant systems |
| Working Capital Loan | $25K - $500K | 6 months - 3 years | Payroll, supplies, cash flow |
| Business Line of Credit | $25K - $500K | Revolving (annual renewal) | Ongoing operational needs, flexibility |
| SBA 7(a) Loan | $500K - $5M | Up to 10-25 years | Acquisitions, large expansions |
| Term Loan | $50K - $2M | 1-5 years | Renovations, hiring, growth projects |
Crestmont Capital is a nationally recognized business lender with extensive experience financing medical and dental specialty practices across the United States. We understand the unique financial profile of oral surgery practices - from the high equipment costs and anesthesia overhead to the insurance reimbursement cycle that can create short-term cash flow gaps.
Our team works directly with oral surgeons and practice administrators to identify the right financing product, structure, and timeline. Unlike banks that treat healthcare practices the same as any other small business, we specialize in this space and can move faster with more flexible underwriting criteria.
Whether you're looking to finance a new surgical suite, acquire an established practice, upgrade your imaging technology, or simply smooth out cash flow variability, Crestmont Capital has healthcare practice financing programs that fit your needs. Our small business financing solutions have helped hundreds of healthcare practices across the country access the capital they need to grow.
For practices that also need commercial financing for larger transactions, our commercial financing division handles complex deals including real estate, practice acquisitions, and multi-location expansion projects.
Why Oral Surgeons Choose Crestmont: We've funded oral surgery practice loans ranging from $50,000 for equipment upgrades to $2.5 million for full practice acquisitions. Our streamlined application takes minutes, approvals can come within hours, and funding can happen in as little as 1-3 business days. We work with established practices and newer surgeons building their practices from the ground up.
By the Numbers
Oral Surgery Practice Financing - Key Statistics
$150K+
Average CBCT scanner cost - the most common equipment financing request
$2.1M
Average annual revenue for a U.S. oral surgery practice (AAOMS data)
24-48h
Typical funding timeline for working capital and equipment loans with Crestmont Capital
9,000+
Active oral surgeons in the U.S. with growing demand for practice financing
Understanding how oral surgery financing works in practice helps you envision how it could work for your specific situation. Here are several scenarios that reflect common uses:
Dr. Hernandez has a three-year-old oral surgery practice generating $1.8 million annually. She wants to upgrade from a traditional panoramic X-ray unit to a cone-beam CT scanner to improve implant planning accuracy and offer guided surgery. The scanner costs $130,000. Using equipment financing through Crestmont Capital, she secures a five-year loan at a competitive rate. The monthly payment is approximately $2,600 - easily covered by the additional revenue the technology generates through improved case acceptance and efficiency.
Dr. Kwan is a recent graduate of an oral surgery residency program looking to purchase a retiring oral surgeon's established practice with a strong patient base. The asking price is $1.2 million. He uses a combination of an SBA 7(a) loan for the primary acquisition and a working capital loan through Crestmont Capital to cover the first three months of operating expenses during transition. The structured financing gives him a low initial payment burden while the practice generates revenue.
A mid-sized oral surgery group with two locations performed an unusually high volume of orthognathic surgeries in Q3. The procedures are completed, but the major insurance payouts won't arrive for 60-90 days. Meanwhile, the group needs to cover payroll for anesthesiologists, surgical assistants, and office staff. A short-term working capital loan from Crestmont Capital covers $180,000 in operational expenses during the gap, preventing disruption and allowing the group to continue booking new surgical cases.
Dr. Okafor's practice in the suburbs has seen consistent 20% year-over-year revenue growth for three years. She's identified an underserved urban area with strong referral network potential and wants to open a second location. A term loan from Crestmont Capital funds the buildout, initial equipment package, and working capital needed to staff and operate the new office through its first six months. The loan is structured with a 6-month interest-only period while the new location ramps up.
Dr. Santiago is turning away cases because his schedule is full. He wants to hire an associate oral surgeon to expand capacity. The associate will need a guaranteed salary during the ramp-up period while building a caseload. A working capital loan covers the associate's compensation for the first year while new revenue ramps up, allowing Dr. Santiago to grow capacity without financial risk to the practice.
A critical autoclaving unit fails at an oral surgery practice mid-week, canceling multiple cases and creating a sterilization backlog. The replacement unit costs $28,000. Rather than depleting cash reserves, the practice uses a business line of credit to cover the emergency purchase immediately. The line is repaid over the next two months as insurance reimbursements arrive.
It's worth understanding how oral surgery practice loans compare to alternatives that practices sometimes consider:
Some oral surgeons consider using personal loans or personal credit lines for practice needs. This is generally not advisable. Personal credit is typically limited to smaller amounts, and mixing personal and business finances creates accounting complications, limits liability protection, and can negatively affect personal credit scores if the practice faces cash flow challenges.
HELOCs can offer low interest rates, but they put your personal residence at risk and may limit your ability to refinance your home. Business financing keeps practice debt separate from personal assets.
Equipment manufacturers often offer promotional financing terms (such as 0% for 12 months) through captive finance arms. These can be valuable for specific purchases, but they're usually limited to that manufacturer's equipment and don't provide flexibility for operational needs. Crestmont Capital's equipment financing covers any brand of surgical equipment.
For high-cost equipment with rapid technology cycles (like imaging systems), leasing can be a smart alternative to purchasing. Leasing preserves capital, includes upgrade options, and keeps equipment off your balance sheet. Crestmont Capital offers both financing and leasing for dental and medical equipment.
Most lenders require a personal credit score of 650 or above for standard oral surgery practice loans. For the best rates on SBA loans and larger term loans, a score of 700 or higher is preferred. Equipment financing can sometimes be available to practices with scores below 650, depending on the equipment value and practice revenue. Crestmont Capital works with a range of credit profiles - contact us to discuss your specific situation.
Loan amounts depend on your practice's revenue, credit profile, and the purpose of the financing. Working capital loans typically range from $25,000 to $500,000. Equipment financing can cover individual pieces worth $10,000 to $2 million or more. SBA loans can reach up to $5 million for practice acquisitions and major expansions. Established practices with strong financials routinely qualify for $500,000 to $2 million in total financing.
For working capital loans and equipment financing through Crestmont Capital, approvals can happen within 24-48 hours and funding within 1-3 business days. SBA loans take longer - typically 30-90 days due to the government guarantee process. Traditional bank term loans typically take 2-6 weeks. If you need capital quickly, Crestmont Capital's alternative financing options are significantly faster than bank or SBA channels.
Yes, though options are more limited for practices under two years old. Equipment financing is often available to new practices because the equipment itself serves as collateral. SBA startup loans can provide capital for new oral surgeons establishing a practice. Some lenders also offer specialized programs for residency graduates entering private practice. A strong personal credit score and professional credentials improve your chances significantly.
For most oral surgery practice loans, you'll need: 3-6 months of business bank statements, a recent profit and loss statement, your most recent business and personal tax returns (1-2 years), a completed loan application, and your business and professional license information. For SBA loans or large acquisition loans, additional documentation including a business plan, practice valuation, and a longer financial history is required.
Most small business loans - including practice loans - require a personal guarantee from the practice owner(s). This means you are personally responsible for repayment if the business cannot pay. Equipment loans may be structured as asset-secured, reducing (though not always eliminating) the personal guarantee requirement. Some lenders offer no-personal-guarantee programs for very well-qualified practices with strong financials.
Yes. Equipment financing is one of the most common forms of oral surgery practice financing. You can finance nearly any piece of clinical equipment including CBCT and panoramic imaging systems, surgical chairs and delivery units, dental implant systems and kits, autoclaves and sterilization units, digital X-ray systems, anesthesia equipment, and sedation monitoring devices. Crestmont Capital finances equipment from all major dental and medical manufacturers.
Interest rates for oral surgery practice loans vary based on your credit profile, revenue, loan type, and current market conditions. Equipment financing for established practices with good credit typically ranges from 5% to 12% APR. Working capital loans range from 8% to 25% depending on term length and qualifications. SBA loans currently range from approximately 10% to 13% for most healthcare practices. The best way to get an accurate rate is to apply - Crestmont Capital provides no-obligation offers so you can review terms before committing.
Yes. Practice acquisition loans are one of the most common uses for oral surgery financing. SBA 7(a) loans are particularly well-suited for acquisitions, offering loan amounts up to $5 million and repayment terms up to 10 years. The acquired practice's existing revenue and patient base are factored into underwriting, which can make qualification easier than it might seem. Crestmont Capital's team can guide you through the acquisition financing process from start to close.
Applying for a loan results in a hard credit inquiry that may temporarily reduce your personal credit score by a few points. However, responsibly managing a business loan - making on-time payments - can strengthen your business credit profile over time, making it easier and less expensive to access capital in the future. Building strong business credit is one of the long-term benefits of using practice financing strategically.
The core product structure is similar, but lenders who specialize in healthcare practice financing understand the specific cash flow patterns, equipment needs, and risk profile of oral surgery practices. They offer larger loan amounts tailored to the cost of surgical equipment, underwrite based on insurance-based revenue models, and can often approve practices that general business lenders would decline due to irregular monthly revenue patterns typical of surgical specialties.
Yes. Multi-location practices and oral surgery groups are excellent candidates for larger-scale financing, including SBA loans, commercial real estate financing, and equipment financing across multiple sites. Combined revenue across all locations strengthens the group's borrowing profile. Crestmont Capital's commercial financing division handles complex multi-location transactions and can structure financing across an entire group practice.
Building business credit starts with incorporating your practice (if not already done), obtaining a Dun & Bradstreet number (DUNS), opening a dedicated business checking account, and establishing trade lines with suppliers. Taking out a business loan or equipment financing and paying it on time is one of the most effective ways to build a strong business credit profile. Over time, strong business credit reduces your reliance on personal guarantees and qualifies you for better rates.
A bank denial doesn't mean you can't get financing. Alternative lenders like Crestmont Capital use different underwriting criteria, often placing more weight on revenue and cash flow than on credit scores alone. Many oral surgery practices that don't qualify for traditional bank loans can access working capital loans, equipment financing, or business lines of credit through non-bank lenders. If your practice generates steady revenue from procedures, there is very likely a financing product available to you.
Most lenders look for minimum annual revenue of $250,000 for working capital products, though equipment financing may be available at lower revenue levels. With average oral surgery practice revenue between $1.5 million and $3.5 million per year, most established practices easily exceed this threshold. The key factor is demonstrating that your practice generates consistent revenue that can comfortably support the new loan payment. Crestmont Capital's team can evaluate your specific financials and match you with appropriate programs.
Oral surgery practice loans are one of the most powerful tools available for practice growth, equipment modernization, and operational stability. Whether you're looking to upgrade to the latest CBCT technology, acquire an established practice, manage cash flow between insurance reimbursements, or hire a surgical associate to expand capacity, the right financing product can make it all possible without depleting your hard-earned reserves.
Crestmont Capital specializes in healthcare practice financing and understands the unique revenue model and capital needs of oral surgery practices. Our streamlined process, competitive terms, and dedicated healthcare finance team make us the preferred choice for oral surgeons across the United States who need capital to grow.
If you're ready to explore oral surgery practice loans for your practice, apply online today or contact our team to discuss your specific financing goals. We're here to help you build the practice you've always envisioned.
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Apply Now →Disclaimer: The information provided in this article is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.