Business loans for dental laboratories

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. To a generalist bank desk a dental laboratory can read as thin, because the value sits in a debtor ledger of practices paying on account terms and in specialist CAD/CAM plant rather than in bricks, and the income looks lumpy while cases move through production. Our work is to present the work in progress, the recurring practice relationships and the equipment properly, then take the case to the bank and non-bank lenders on our panel of more than sixty that fund B2B manufacturers and healthcare suppliers rather than a desk that discounts the ledger. As your lab adds practices, upgrades the mill or acquires a second site, we stay on the file so the facility grows with the volume. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and can be arranged in days, which suits a limit of $100K to $500K for materials, a mill or short-term working capital. Secured facilities, backed by property or plant, support larger amounts and make sense once you are funding an acquisition or a major expansion. Most established labs end up with a mix, and we shape which sits where.

It depends on your trading, your structure and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger operators. A lab is read on its debtor ledger and case volume as much as its assets, so the recurring practice accounts and the plant list both count. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and the equipment is normally the security rather than your premises. CAD/CAM and CEREC systems, intraoral and desktop scanners, furnaces and 3D printers can all be funded new or used. Terms are typically matched to the life of the asset, and established labs can often be assessed on bank statements and BAS rather than full financials. Dealer and manufacturer programs are available too, which we compare against a bank facility so the mill or scanner does not draw down your working capital.

Yes. Zirconia, alloy, resins and discs are bought before a case earns, and the labour and mill time run while the work is in production, so the money is committed well before the practice settles. A revolving line or receivables facility sized to your debtor ledger carries that stock and work in progress without touching the cash set aside for equipment. It works best where the trading account shows regular receipts from practice accounts, and we size it to the peak of the gap rather than an average month.

An unsecured facility can often be approved within 48 hours and funded inside a week where the lab is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you onboard the account, ideally when you are planning the ramp rather than when the first big order lands. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established labs on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits owners whose accounts lag the current run rate. It works best where the trading account shows regular receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes, and it is a commercial property deal rather than a working capital one. Labs usually sit in light-industrial or workshop space, so the premises are assessed on the property alongside your trading strength, and owner-occupiers can generally borrow a higher proportion than a passive investor would. Owning the unit takes a rising rent out of your cost base. Our commercial property team handles these end to end through our dental lab property finance service.

Yes. Buying another dental laboratory, opening a second site or adding a case type is usually a secured term facility, sometimes combined with plant finance for the equipment that comes with it. We assess the target on its debtor ledger and case volume as well as its assets, structure the funding across the property, plant and goodwill, and place it with a lender that backs acquisitions in B2B healthcare supply, subject to serviceability, lender appetite and approval.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your dental lab premises, we also assist with CAD/CAM and milling equipment finance for dental labs and working capital. On asset finance, that covers dental lab equipment finance for mills, scanners, furnaces and bench gear. On working capital, we arrange business overdrafts, lines of credit and cash flow funding against your debtor ledger. We also arrange commercial mortgages if you are buying or refinancing the light-industrial premises your lab operates from.