Working Capital for Dental Businesses in Durham, North Carolina
Running a dental practice in Durham, North Carolina means your revenue cycle and your expense cycle operate on completely different clocks. Payroll, lab fees, and supplies hit every two weeks. Insurance reimbursements arrive when they feel like it. SMB Capital Funding funds practices based on your deposit history — not your AR aging report.
SMB Capital Funding is a direct lender — we underwrite and fund in-house, with no brokers and no middlemen. Programs range from working capital and revenue-based financing to equipment loans and merchant cash advances, with capacity up to $20 million. If your Dental business in Durham has consistent monthly deposits, you likely qualify — regardless of credit history.
Common cash flow pressures for Dental owners
- Insurance credentialing for your new associate takes 90 days. She's seeing patients. You're not getting paid for those visits yet.
- Your panoramic X-ray unit failed. You're referring imaging out — and losing patients to the practice down the street that can do it in-house.
- You want to add a hygienist chair and hire a second hygienist. The buildout and equipment cost is $40K. The revenue shift is 90 days out.
- A patient acceptance problem: you're losing implant cases because you don't have a CBCT scanner. Every referral is revenue you don't collect.
- Insurance reimbursements run 60 days. Payroll, supplies, and lab costs run every two weeks. That gap compounds.
What Working Capital from SMB Capital Funding covers
- Cover payroll and overhead gaps
- Purchase inventory before peak season
- Bridge slow periods without stress
- No asset liens required
- Repay as revenue comes in
Banks typically require two or more years in business, strong personal credit, and weeks of documentation review. SMB Capital Funding underwrites on your revenue history — three months of bank statements is usually enough to get a real answer.
Ready to move forward?
Fill out the form above or call us directly. No obligation. All credit profiles considered.
Get Working Capital →Questions Dental owners in Durham ask us
Insurance pays us on a 60-day lag. Can we get capital against our ongoing deposits?
Yes. We fund based on your actual cash deposits — not your accounts receivable or future reimbursements.
We need to purchase a CBCT scanner to bring implant cases in-house. Is equipment financing available?
Yes. Dental equipment financing is one of our core programs. Equipment up to 20 years old may qualify.
Our practice is profitable but cash-tight. Is that a common profile?
It's the most common profile in dentistry. Strong revenue with a delayed cash cycle is exactly the gap working capital is built to close.
How fast can we get funded?
Same-day decisions are available for qualified applicants. Most practices receive funds within 24 hours of approval.
Funding Options for Dental Businesses in Durham, North Carolina
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SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.