Easy Dental Property Loans
Dental Office Loans
Dental office loans finance both established practices and growth-stage dental practices. They are designed for dentists as well as investors and CRE operators looking to acquire, refinance, expand, or build.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
An Overview
Dental Clinic Financing
Dental office loans we structure and fund here at Private Capital Investors range from $2M to $10M+, depending on the property and practice structure.
Loan amounts are typically capped at 60% to 75% of the value.
Stronger terms are available for established practices and stable locations.
Loan Amount: $2 Million to $10 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
Retail Humana Medical Office
New Dayton OH | $1,500,000
Refinance Medical Office Building
Plano, TX | $2,000,000
Medical Office Building
Mt. Pleasant, SC | $3,200,000
A Closer Look at the Landscape
Types of Dental Office Properties That Qualify
The fuel retail industry is far from “one size fits all.” From streamlined automated kiosks to massive highway hubs, gas station properties vary significantly in their operational complexity and revenue potential.
Single-practice dental buildings – either owner-occupied or leased to a stable operator
Multi-tenant dental suites
Specialist clinics such as orthodontics, endodontics, and oral surgery.
Mixed-use healthcare properties with dental tenants.
How to use Dental Office Loans
Uses of Dental Office Financing
In the rapidly evolving world of oral healthcare, having the right facility is just as important as having the right clinical skills. Our dental office financing is designed to help practitioners create modern, efficient environments that enhance patient care and drive practice value.
Practices that aren’t fully stable yet will usually need to get a short-term loan first to carry it until patient flow is steady and revenue is consistent, at which point it may qualify for long-term financing.
Purchase an existing dental office building with an operating practice/established patient flow in place.
Refinance an existing commercial mortgage.
Renovations involving upgrading operatories and patient areas, modernizing layouts for higher patient volume, specialized plumbing, electrical work, and the like.
New construction, both standalone dental offices and spaces within a larger healthcare property.
Expanding a practice by increasing treatment rooms, adding new service capabilities.
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Industrial Loans
Healthcare Loans
Apartment Loans
Funeral Home Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
Office Loans
Medical Office Loans
Veterinary Office Loans
Hotel Loans
Auto Repair Loans
Restaurant Loans
Trusted CRE Loan Lender
Why Choose Private
Capital Investors?
In the dental industry, traditional lenders often focus solely on historical tax returns, failing to see the clinical potential and operational reality of a modern practice.
At Private Capital Investors, we specialize in bridging the gap between a bank’s rigid requirements and your practice’s growth trajectory.
We recognize that high-growth dental offices often have complex financial profiles—whether you are navigating a recent acquisition with limited history, managing heavy tax write-offs for new equipment, or converting a standard retail space into a high-tech surgical suite.
Flexible Underwriting for Specialized Needs
Nationwide Lending
Performance-Based Approvals
No Fluff, Direct Decision Making
Performance-Based Approvals
Fast Closing, Rapid Funding Timelines
Featured Loan Programs for Dental Property Loans
Frequently Asked Questions
Can dental office loans finance dental equipment?
In some cases, yes. Equipment may be (1) included in the loan or (2) financed separately, depending on the structure.
Do lenders require a business plan for dental office financing?
For newer or expanding practices, yes, lenders will likely request a business plan to understand projected income and growth.
Are there loan programs for startup dental practices?
Yes. But lenders will want to see how the practice will build patient volume. Most new practices have to start with short-term financing and then refinance into a long-term loan once the practice is stable.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com