Key Takeaways
- Licensed dentists on L-1 visa who own practices qualify on patient revenue
- Dental chairs, CBCT scanners, and digital workflows all eligible for equipment financing
- Practice acquisition, buildout, and working capital all available
- SBA closed to L-1 holders — Bankable funds dental practices directly
- Decisions in 48 hours, $100K to $3M
Dental practice ownership by L-1 visa dentists represents one of the most clear-cut cases of skilled professionals building valuable US businesses that the traditional funding system fails. A dentist with a US dental school degree (or a recognized foreign degree with state board licensure), an active state dental license, DEA registration, and a practice generating $800K in annual collections has built a healthcare business with strong fundamentals. The SBA previously served these practices through 7(a) and 504 loans — now explicitly closed to non-citizens.
Bankable funds on dental practice collections. Insurance reimbursements, patient payments, and care financing (CareCredit, Sunbit) together form a revenue picture that is both predictable and well-documented. A dental practice's billing system provides among the most detailed revenue documentation of any small business — we can evaluate it accurately.
Dental Practice Capital for L-1 Holders
- Dental chair packages: A-dec, Pelton & Crane, or Midmark chair packages with delivery units — $15K-$40K per operatory
- CBCT cone beam scanner: $100K-$200K per unit — asset-backed at favorable rates for imaging-heavy specialties
- Digital workflow (intraoral scanners, CAD/CAM): iTero, 3Shape, or Cerec digital impression and milling systems — $50K-$120K
- Practice acquisition: Purchasing an existing dental practice at 60-80% of annual collections — typically $400K-$1.2M
- Working capital for staffing: Hygienists, dental assistants, and front desk staff must be hired before patient volume ramps
Check your Bankability Score or explore equipment financing.
Frequently Asked Questions
Yes. Licensed dentists on L-1 visas who own US dental practices qualify for Bankable funding based on practice collections. An active state dental license is required. No green card required.
Insurance reimbursements (Delta Dental, MetLife, Cigna), Medicaid/CHIP dental payments, private pay patient collections, and care financing platform disbursements (CareCredit, Sunbit) all qualify.
Yes. Dental chairs, CBCT scanners, intraoral scanners, sterilization equipment, and digital milling systems all qualify for equipment financing. The equipment serves as collateral at 70-85% LTV.
Bankable provides working capital and equipment financing for dental practices. Practice acquisition typically involves a practice transition loan — our products can support the working capital portion of a practice purchase alongside practice acquisition financing from dental-specialty lenders.
Both qualify. Insurance-heavy practices have more predictable revenue cycles; private-pay practices may have higher per-procedure revenue. We evaluate the blend and margins rather than penalizing either model.
DSO affiliations involve complex equity transactions that are separate from Bankable's working capital products. However, independent dentists considering DSO affiliation often need bridge capital during the transition period — Bankable can address those operational needs.
Yes. Orthodontic, oral and maxillofacial surgery, endodontic, periodontic, and pediatric dental specialty practices all qualify. Specialty practices often generate higher revenue per patient day and may qualify for larger funding amounts.
Bankable decisions arrive within 48 hours of a complete application. Equipment financing for specific purchases can close in 5-7 business days. Working capital for existing practices can fund in 3-5 business days.