Typical funding range
$20,000 – $500,000 — that's the band most dental practices in Texas fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Most funders require 12+ months operating
- Monthly collections floor: $25,000
- Credit scores 600+ get A-paper terms
- Insurance AR cycles create deposit lumpiness — provide a 1-page payer-mix and EOB-timing note to generalist underwriters
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for dental practices in Texas happen in 2–4 hours once docs are complete.
- Last 3-6 months of business bank statements
- Voided business check
- Driver's license for the majority owner
- Industry-specific documentation (licensing, certifications) if applicable
The math
A typical dental practices deal in Texas lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Should a Texas dental practice use MCA or BHG for working capital?
- BHG (Bankers Healthcare Group) is purpose-built for healthcare and underwrites licensure-backed. APR typically 9-15% vs MCA at 45%+ APR-equivalent. For working capital with practice acquisition or larger needs, BHG wins almost always. MCA is the emergency-fast option.
- Should I MCA or equipment-finance new imaging or chairs?
- Equipment financing wins. A $100K CT scanner financed over 60 months at 9-12% APR is materially cheaper than $100K MCA at 1.35 factor over 12 months (~48% APR-equivalent). Use equipment financing unless you can't qualify or need money in 24 hours.
- Can a Texas new practice (under 12 months) get funded?
- Limited. Practice startup loans through Live Oak Bank, ProCharge, or Cardinal Bank are the cheapest option but slow (45-90 day close). For faster: Accord MCA or Greenbox's 2-stip program. For equipment in year 1: Crest Capital or Beacon Funding if you have strong personal credit (700+).