Key Takeaways
- Dental practices with 6+ months of production revenue qualify for Bankable
- SBA dental practice loans unavailable to E-3 holders
- Practice acquisition, equipment, and working capital all fundable
- Dental production revenue is highly predictable — ideal for Bankable underwriting
- 48-hour decisions up to $3M
Australian dentists in the US on E-3 visas have navigated the complex credentialing process — NBDE or INBDE completion, state board examinations, and US dental license acquisition. By the time an Australian dentist is licensed to practice in a US state, they've made a significant personal and professional investment in the American dental market.
Many Australian dentists eventually move from associate positions to practice ownership — acquiring existing practices, building group practices, or opening de novo practices in underserved areas. The capital challenge is significant: practice acquisition typically costs $300K–$800K, and SBA dental practice loans are categorically unavailable to E-3 holders. Bankable funds dental practice production revenue directly.
The E-3 Funding Barrier
The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.
Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.
Challenges in This Sector
- SBA dental practice loans unavailable to E-3 holders despite strong clinical performance
- Practice acquisition costs $300K–$800K depending on location, size, and patient volume
- Dental equipment (CBCT, digital X-ray, chairs, sterilisation) requires $100K–$300K
- Practice management systems, patient records migration, and software require upfront investment
- Insurance credentialing delays create 60–90 days of reduced collections after acquisition
- Associate dentist salaries are substantial in a competitive dental labour market
Funding Solutions for E-3 Holders
- Practice Acquisition: Fund practice purchase based on historical production revenue.
- Equipment Financing: Dental equipment with asset-backed terms up to 60 months.
- Working Capital: Bridge insurance credentialing delays and initial ramp-up period.
- Second Location: Fund additional practice based on existing practice performance.
- Specialty Service Capital: Invest in orthodontic, implant, or oral surgery capabilities.
Dental Production Revenue and Bankable
A general dentistry practice producing $60K–$120K per month in gross production is a very fundable business. We evaluate collections (what's actually collected after insurance adjustments) rather than gross production. A practice collecting $50K+/month consistently qualifies for significant Bankable funding. Check your Bankability Score to see your specific funding range.
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
Yes. Dental practice ownership is permitted for licensed dentists through appropriate professional entity structures. State dental practice act rules apply.
SBA requires 100% US citizen/national ownership. Australian nationals on E-3 visas don't meet this requirement.
Bankable funds up to $3M. Practice acquisition funding is typically based on the acquired practice's historical collections.
General dentistry, orthodontics, oral surgery, pediatric dentistry, periodontics, and multi-specialty group practices.
Yes. Chairs, CBCT scanners, digital X-ray, sterilisation, and lab equipment can all be financed.
We understand that credentialing delays reduce initial collections. We structure funding to account for ramp-up periods.
Yes. Second location expansion based on existing practice collections is supported.
6 months of practice bank statements or collections reports, dental license, and practice information.
48-hour decisions. Funds typically in 3–5 business days.
Yes. CBCT, digital impressions, and practice management software are all valid capital investments.