Business loans for dental practices

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. For a dental practice, that means a lender that recognises the profession, lends against goodwill and funds clinical equipment, backed by a Sydney brokerage that has settled more than 1,000 loans and funded over $500M across more than 60 bank and non-bank lenders. We stay on well beyond settlement, for the longevity of the practice. Every figure is subject to serviceability, lender appetite and approval.

It depends on the amount, the purpose and what you are comfortable offering as security. Unsecured loans are faster to arrange and keep your property out of the structure, but they are usually smaller and priced higher. Secured loans, backed by commercial or residential property or by practice equipment, support a larger facility at a sharper rate. For an established practice with equity or strong billings, a secured facility often makes sense for a fit-out or an acquisition. We weigh both against your balance sheet and your appetite, subject to serviceability, lender appetite and approval.

We arrange facilities from around $100K up to $100M. A single new chair or a fast working capital top-up typically sits in the tens of thousands to a few hundred thousand, while a full fit-out, a practice acquisition or a premises purchase reaches into the millions. The upper end of the range is generally for multi-site groups structuring finance across several practices and their property. Any larger facility is built on real security, goodwill and cash flow, subject to serviceability, lender appetite and approval.

Yes. Dental equipment finance can fund dental chairs, CBCT and OPG imaging, intraoral scanners, CAD/CAM mills, autoclaves and a full surgery fit-out, with the equipment itself usually serving as the security. Terms are typically matched to the life of the asset, and established practices can often be assessed on bank statements and BAS rather than full financials. Manufacturer and dealer finance programs are available too, and we compare them against a bank facility. This keeps your cash and property free for the rest of the practice.

Yes. Practice acquisition is one of the most common reasons dentists come to us, whether you are buying in as an associate, buying out a retiring principal or adding a second location. Lenders that recognise dentistry will lend against practice goodwill and cash flow, not just bricks and mortar, often up to a high proportion of the purchase price for a strong practice. We shape the funding early around the price, the goodwill and any property or equity available, subject to serviceability, lender appetite and approval.

Not always. Unsecured business loans and equipment finance are available to established practices with at least 12 months of consistent billings and clean credit. Property security is not required for smaller facilities, though it improves both the size and the rate on larger ones such as an acquisition. Where you would rather not use property, equipment finance, unsecured lending and cash flow facilities can fund the practice against other security. We assess what is available for your position without assuming property is on the table.

Unsecured business loans and working capital can often be arranged within one to three business days for practices with clean financials and consistent billings. Equipment finance is usually just as fast. Secured facilities against property take longer, typically one to three weeks, because of valuation and documentation. We give you a realistic timeline for the specific product rather than an optimistic one.

Often, yes. Many unsecured loans and some equipment finance facilities can be assessed from bank statements and BAS lodgements rather than full financials, which suits established practices whose accounts are not yet finalised. Low-doc does not mean no assessment; the lender still reviews billings, cash flow and credit. Larger and secured facilities generally need full financials. We tell you upfront what each option requires.

Yes. Buying the premises your practice operates from is a commercial property purchase, and we arrange it alongside your business lending. Dentists buying their own surgery often access owner-occupier terms most businesses do not, commonly up to around 80 percent of value, assessed on your billings as well as the property. For a purchase or refinance of the premises, see our dedicated dental practice property finance page, and we can structure the working capital and equipment finance around it. Subject to serviceability, valuation, lender appetite and approval.

Lenders treat dentistry as a low-risk, high-retention profession with stable, recurring income, so several banks and non-banks run dedicated healthcare or professional lending programs. In practice that can mean higher borrowing against goodwill, lower deposits on a premises purchase, and lighter documentation than a general business would face. The catch is that these programs sit with specific lenders and desks, and the terms vary widely. Knowing which lender to approach for your situation is most of the value we add.

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 practice is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan to buy your dental surgery, we also assist with equipment finance for dentists and working capital. On asset finance, that covers chairs, imaging, CAD/CAM and other clinical equipment. On working capital, we arrange overdrafts, lines of credit and cash-flow funding. We also arrange commercial mortgages if you are buying or refinancing your surgery.

Yes. First-time practice buyers and associates buying in are well within our wheelhouse, and helping you understand the right strategy and structure from the first conversation is core to how we work. Lenders lean on the practice's billing history and your professional background, so we present both properly. Our main borrower profiles are practice owners and associates seeking finance from $100,000 upwards. Smaller consumer-style lending sits outside our field.