Key Takeaways
- DACA recipients have earned DDS and DMD degrees from US dental schools and hold state dental licenses
- Bankable funds dental equipment, practice acquisition, and working capital with no citizenship requirement
- Practice revenue from patient fees and insurance reimbursements qualifies for Bankable funding
- SBA dental loans now closed to DACA dentists — Bankable is the direct, 48-hour alternative
- Your patient revenue and procedure volume are your bankability — no green card needed
DACA entrepreneurs have built successful Dental Practice businesses across the United States. With valid Employment Authorization Documents and Social Security Numbers, they run operations, employ American workers, and pay taxes — yet face systematic exclusion from the capital markets that fund their competitors. Bankable exists to correct that.
What Dental Practice Businesses Fund With Capital
- Practice acquisition: Buying an existing dental practice from a retiring dentist
- Equipment: Dental chairs, digital X-ray, CBCT cone beam scanner, CAD/CAM milling units
- Office buildout: Operatory setup, sterilization area, reception, and patient waiting areas
- Working capital: Insurance reimbursement cycles create 45–90 day payment gaps
- Associate buy-in: Capital for purchasing a partnership interest in an existing practice
- Marketing: New patient acquisition, website, SEO, and community outreach
The SBA Gap and the Bankable Solution
The SBA's March 2026 citizen-only rule eliminated the most affordable small business lending program for DACA owners. Bankable's revenue-based tranche funding fills this gap: no citizenship required, no green card needed, 48-hour decisions. Your dental practice revenue is your qualification. Learn more about SBA alternatives for DACA business owners.
Funding Requirements
| Factor | Bankable Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card required |
| License | Valid state dental license required (DDS or DMD) |
| Revenue | $30,000+ monthly patient revenue |
| Business Age | 12 months of dental practice operations |
| Funding Range | $100K to $5M based on practice size and revenue |
Check your eligibility at bankablefunds.com/bankability-score — a 5-minute process with no commitment and no citizenship questions.
Frequently Asked Questions
Yes. DACA status with a valid EAD and SSN qualifies for Bankable funding. No citizenship or green card is required. Your dental practice revenue is the primary qualification factor.
EAD card, SSN, 3 months of business bank statements, business license, and a voided business check. No green card or citizenship documentation required.
Yes. The SBA's March 2026 rule now requires all SBA loan borrowers to be US citizens or nationals, locking out DACA recipients. Bankable's revenue-based funding is the direct alternative with no citizenship requirement.
Bankable issues decisions within 48 hours of a complete application. Funding typically arrives 3–7 business days after approval.
Bankable funds up to $5M through our tranche system. Actual amounts depend on your monthly revenue and business profile.
Yes — your EAD must be current at the time of application. DACA's renewal cycle does not disqualify you — we understand the administrative process.
Yes. A revolving business line of credit is available for established businesses with consistent monthly revenue. Draw, repay, and redraw as your business cycle requires.
Revenue-based funding carries a higher rate than SBA loans. For DACA owners who cannot access the SBA program, the comparison is between Bankable's rates and no access at all. We price transparently based on your full profile.
Yes. Staffing expansion is a covered use case. Adding employees directly increases your revenue capacity and is one of the most common uses of Bankable capital.
We accept 3 months of business bank statements, POS reports, QuickBooks exports, and industry-specific revenue documentation. We look for consistent monthly revenue over your operating history.