A dental remodel is the ops that are not producing yet. Waiting-room millwork, plumbing for two more chairs, and a landlord TI that ended at the demising wall are mixed invoices. The CBCT has a serial number. The drywall does not.
Dental office renovation financing is an unsecured term loan from $50,000–$500,000 for that leasehold work. Terms are 3, 5, or 7 years, often funded in 3–10 business days, with no lien on the office. Pricing is quoted per file in an approximate 6%–18% band.
Chairs and imaging stay on equipment financing at 6%–14%. Buying the practice or the building still starts on SBA medical and dental practice loans.
Jaken Finance Group originates property loans and can help match SBA practice financing. Ops buildout and TI pre-qualify on a separate unsecured application.
Pre-qualify for an unsecured term loan →
See if you qualify for intro 0% funding →
What the money is for in a practice remodel
- Ops buildout — plumbing, electrical, millwork, and finishes for additional chairs
- Waiting room and front desk that match the fee schedule you actually charge
- Landlord TI shortfall when the allowance does not cover the last $80,000
- Code, fire, and accessibility items that can delay the occupancy letter
- A second location’s suite while SBA is still in process
If the invoice is a chair + delivery unit + sensor package from one dealer, start on equipment. If the invoice is the GC plus the plumber plus the millworker, stay here.
Model extra visits against the note
Default load: a $168,000 ops and waiting-room bid, 8 extra visits a week, $180 production per visit, 30% lab and supplies, $9,200 current weekly collections after those costs, and 3 weeks of reduced chairs. A 5-year note at an illustrative 12.5% is about $3,780 a month. That only works if hygiene already has a waitlist those ops will fill. Empty ops with a pretty waiting room will not.
Dental ops remodel vs the payment
Test whether extra hygiene and restorative visits from new ops cover the unsecured note after lab and supplies. Empty ops with a pretty waiting room will not. Estimates only. Pricing is quoted per file.
Monthly payment
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Fully amortizing
Extra monthly net production
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After the remodel is open
Coverage
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Lift ÷ payment
Net monthly after payment
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Does not include construction weeks
Construction hole
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Lost weekly net + payments while dark
Months to fill the hole
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If net monthly stays this high
Thin revenue or a new location? See intro 0% funding
Tool-only payment: unsecured term loan calculator. Permanent stack: SBA medical and dental practice loans.
Unsecured vs equipment vs SBA vs intro 0%
| Need | Better first call |
|---|---|
| Waiting room, ops finishes, TI, mixed GC | This page |
| De novo suite, thin or no collections | Intro 0% business financing |
| Chairs, imaging, millwork equipment with a vendor invoice | Equipment financing, 6%–14% |
| Buy the practice or the building, 45–90 days | SBA medical and dental practice loans |
| Associate buy-in or partner buyout of the book | Acquisition and partner buyout or SBA |
Do not mash unsecured 6%–18% with equipment 6%–14% or DSCR 5.75%–10.5%.
Worked example: two more ops, practice stays open
A three-ops general practice has a $168,000 GC bid to add two ops and refresh the waiting room. Imaging stays. Chairs for the new rooms are $42,000 on a dealer invoice.
Put $168,000 of GC on this unsecured note if it fits the box — here it does. Put $42,000 on equipment. A $168,000 5-year note at an illustrative 12.5% is about $3,780 a month. That only works if hygiene already has a waitlist those ops will fill.
Worked example: de novo with a lease clock
A new practice with a 120-day fixturing period and no collections is a hard term-loan file. Intro 0% is the conversation for the window. SBA is still the cheaper wrap if the landlord will wait. Do not use unsecured 6%–18% as if it were a 10-year 7(a).
What underwriting still wants
- Two years of personal tax returns (practice collections reports if they exist)
- FICO 8 — no published minimum
- Lease remaining term aligned with the note
- GC bid with clinical equipment pulled out
- If you are also buying the book, keep that story on SBA practice loans or unsecured buyout
How to apply
- Split chairs / imaging (equipment) from GC / TI / waiting room (this page).
- Run the remodel amount in the calculator on 5 years, then stress 3 and 7.
- Submit the unsecured financing form. Thin collections: intro 0%.
- Buying the practice or the building? Start from SBA medical and dental practice loans.
Pre-qualify for dental renovation capital · SBA practice loans · (833) 264-7776
Sources
Offices of dentists are a large SBA sector by dollars; those files wrap acquisition, chairs, and the building. This page is the last $50,000–$500,000 of TI that will not wait on that calendar. SBA loan programs. Claims about “no-cost” capital: FTC. CFPB Ability-to-Repay does not underwrite this facility.
Calculator figures are estimates for an ops add-on, not a quote. Jaken Finance Group originates investment-property loans and can help match SBA practice financing. Unsecured term-loan and intro 0% pre-qualification stay on separate applications.