Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Healthcare
Dental Practice Loans
Select Commercial arranges dental practice financing to acquire an existing practice, buy or refinance the building it occupies, or expand. As owner-occupied business real estate, a dental practice can qualify for high-leverage financing, up to 90% LTV through SBA programs.
Get a Free QuoteDental Practice Loan Rates & Terms
Rates updated as of August 23, 2026
| Loan Type | Rate* | Max LTV |
|---|---|---|
| SBA 504 (Fixed) | 6.03% | Up to 25 years |
| SBA 7(a) (Variable) | 6.75% | Up to 25 years |
| Owner-Occupied (Bank / Conventional) | 6.56% | Up to 25 years |
Rates last updated August 23, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
Financing for Dentists and Practice Owners
Buying a practice, buying the real estate, or both, calls for a lender that understands healthcare cash flow. We arrange acquisition financing that can include goodwill and equipment, plus commercial mortgages on the office condo or building that houses the practice. Because the owner occupies the space, these loans qualify for SBA and bank owner-occupied programs with higher leverage and longer terms than investor loans.
How Dental Practice Financing Works
Most dental practice loans are structured through the SBA. SBA 504 pairs a bank first mortgage with a CDC second and is used to purchase or refinance the owner-occupied real estate and fixed equipment, with a low down payment and long, fixed terms. SBA 7(a) is a single, more flexible loan that can also cover practice acquisition, goodwill, working capital and partner buy-ins. Established practices with strong cash flow may also qualify for conventional bank owner-occupied financing. We compare all three and match the structure to your practice.
Compare Your Dental Practice Loan Options
We match dental real estate and practice acquisitions to the right lender:
| Program | Typical rate* | Max leverage | Best for |
|---|---|---|---|
| SBA 504 | 6.03% | Up to 90% | Real estate and fixed equipment, low down payment |
| SBA 7(a) | 6.75% | Up to 100% | Acquisition, goodwill and working capital |
| Bank / conventional | 6.56% | Up to 80% | Established practices, stronger credit |
Certain professional practices qualify for up to 100% SBA financing, while conventional bank owner-occupied financing is generally available up to 80% LTV.
Rates last updated August 23, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
Practice Acquisition and 100% Financing
We finance the real estate, partner buyouts and full dental practice acquisitions, and qualifying dentists can borrow up to 100% LTV, with little or no money down. Many dentists purchasing a practice lack the down payment local banks require; SBA structures solve that, and projection-based income can be used for startups and expansions. Established practices with strong cash flow may also qualify for conventional bank owner-occupied financing.
The 2026 SBA backdrop is favorable: SBA lending set a record in FY2025 at $44.8 billion (SBA, September 2025), and effective July 4, 2026 the combined 7(a) plus 504 cap doubled from $5 million to $10 million, expanding what a practice owner can finance across real estate, equipment and goodwill.
We finance dental practices and their real estate nationwide, including Texas, Florida, California, New York and Illinois, and in metros such as Dallas, Houston, Phoenix, Chicago and Atlanta.
Dental Practice Market: 2026 Outlook
Dentistry enters 2026 as a large, steadily growing market with strong practice values, which makes financing terms matter more than ever.
- A market near $185 billion: U.S. dental spending is projected around $185 billion in 2026, with roughly 2% growth this year (2026 industry research).
- Practice values are strong: at least 175 practice locations sold in the first half of 2026, at valuations running five to more than nine times EBITDA (H1 2026 transaction data).
- Consolidation is reshaping the field: the industry is roughly 35% consolidated, with about 16% of dentists DSO-affiliated (2024), so independent dentists increasingly compete by owning their practice and real estate.
- Dentists remain confident: 67.5% expressed confidence in their own practice as of Q1 2026 (ADA Health Policy Institute).
For a buyer, those numbers cut both ways: practices cost more, but high-leverage SBA financing up to 100% lets a dentist acquire without a large down payment, and owning the building locks in occupancy costs while the practice appreciates.
Financing Options in Commercial
Commercial apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
Dental Properties and Practices We Finance
- General and family dental practices
- Orthodontic and periodontic practices
- Oral surgery and endodontic offices
- Pediatric dental practices
- Multi-location dental groups and DSOs
- Dental office condos and standalone buildings
- Practice acquisitions, including goodwill and equipment
- Partner buy-ins and practice expansions
We finance established dentists acquiring a practice, associates buying in, and owners refinancing or purchasing their medical office real estate, as well as the broader range of medical and healthcare property.
Why Finance Your Dental Practice With Select Commercial
With more than 30 years of experience and relationships across banks, credit unions and SBA lenders, we source high-leverage financing for dentists and practice owners and compare SBA 504, SBA 7(a) and conventional options side by side. There are no upfront application or processing fees, and we issue written pre-approvals within 48 hours at no cost or obligation.
What Our Clients Say
“As a real estate attorney, I trust that Select Commercial will deliver commercial mortgages in a timely manner. My clients are always handled professionally, and the rates and terms are excellent. I heartily recommend them.”
David S. · New York City“I needed an SBA loan and found Select Commercial. It was obvious Stephen knew everything about commercial loans. If you are starting a small business, definitely give them a call.”
Larry S. · Washington, DC“Select Commercial was very helpful with my commercial mortgage. I needed to increase cash flow due to maintenance on my property. Stephen went over several options and got me the funds while lowering my payments.”
Gary M. · Portland, OR“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MAGet a Free Quote
No cost, no obligation. Written answers within 48 hours on loans from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up