Dental Practice Loans in San Jose
From single chair startups to multi location DSOs, the right capital for every stage.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose dental operators get funded
Dental practice owners in San Jose face a specific financing landscape: high ticket equipment cycles, expensive build outs, and the constant temptation of acquisition opportunities as older practitioners retire. We finance every stage, from a new associate's first acquisition to a multi location DSO refinancing into long term SBA debt. Dental is one of the SBA's preferred industries, and San Jose's dental community is one of the most active borrowing groups in California.
Santa Clara County has more than 1,300 active dental practices, and the Silicon Valley continues to grow faster than dental school output. Acquisition multiples here typically run 70-85% of trailing collections for general practice, higher for specialty.
Common capital uses
10% down SBA 7(a) financing up to $5M, repaid from practice cash flow.
CBCT scanners, intraoral cameras, CAD/CAM mills, lasers, 100% financing typical.
New op rooms, plumbing, dental chairs, finishings, often rolled into a 7(a).
Bridge for marketing pushes, hygienist hiring, AR gaps from insurance.
Qualification requirements
- Dental degree (DDS or DMD) for SBA acquisition financing
- Owner FICO of 680+ for SBA
- 10% down on acquisitions; less with seller financing carve outs
- Practice trailing 12-month collections supporting 1.25x DSCR
Real San Jose examples
A Sugar House associate buys her retiring mentor's $1.6M practice with $160K down on a 10-year SBA 7(a).
A Murray group finances a $95K CBCT and intraoral scanner over 60 months.
A South Jordan practice owner opens a Daybreak satellite with a $650K SBA 7(a).
