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Dental Practice Loans
Funds for what
you need
Funds for Dental Practices
We have loans to meet you and your dental practice where you are:
- Starting – construction, equipment, real estate
- Expanding – renovation, construction, equipment upgrades
- Acquiring – renovation, equipment upgrades, other transition costs
- Growing – support for gaps in your collections process
Tell Us About Your Dental Practice
Answer a few questions about your business and we'll suggest next steps.
Insights & Resources
Learn from our Healthcare banking experts and other dentists:
Manage Business Finances
Using Your Line of Credit the Right Way
The "Goldilocks" approach to borrowing: draw for gaps, repay on settlement, and use faster payments to maintain healthy credit utilization.
4 min read
Running Your Business
Protect Dental Practices from Fraud & Embezzlement Risks
Join Dr. Paul Goodman, DMD, and PNC for a practical discussion on fraud & embezzlement risks plus safeguards to help protect your practice.
10:48 min video
Industry Insights
Healthcare in 2026: Trends Driving Growth, Innovation, and Patient Care
Five trends shaping strategy, operations, and patient engagement across the healthcare industry in 2026.
3 min read
How to Help Protect Your Dental Practice from Fraud & Embezzlement Risks
What behaviors or red flags should you be looking for to protect your practice?
Learn from Dr. Paul Goodman, DMD, practicing general dentist, and Mike Olson, Sr. Healthcare Industry Advisor, PNC Bank, as they discuss possible ways to prevent fraud from impacting your practice.
FAQs
A dental practice loan provides financing for dental practices to acquire or improve facilities, purchase equipment, or expand working capital, among other uses. They are specifically designed to consider the unique needs of dental practices and may require documentation of professional credentials.
Practice loans are available for starting a practice, purchasing a practice, expanding, improving and building out an existing practice, buying in to a practice, funding operating expenditures, and additional funding for transition expenses, as appropriate.
Practice loans offer various benefits, including:
- Manageable loan payments during the transition period whether you’re starting-up, expanding, buying-in, or purchasing a practice
- Often, financing is also available to fund transition expenses
Yes, dental practice loans may be used to cover a variety of expenses associated with starting, expanding, or sustaining a dental practice. This includes equipment loans and office improvements.
Dental practice loans may often support significant financial projects, but different factors may affect the final amount of your loan. Lenders like PNC will consider creditworthiness, the history of the practice, healthcare credentials, financial forecasts, and the loan purpose, among other factors, to make that determination.
To determine qualifications for dental practice loans, lenders like PNC often review:
- Dental credentials and licensing
- Personal and business credit history
- Practice financial statements or projections
- Business plan for new or expanding practices
- Existing debt obligations
Experience in the dental field and projected practice revenue may also be deciding factors.
The required documentation will vary based on the lender and type of loan, but PNC will typically consider:
- Personal financial statements
- Tax returns (personal and business, if applicable)
- Practice financial statements or projections
- Professional license verification
- Business plan or purchase agreement (for acquisitions)
- Equipment quotes or project cost estimates
Contact Us
We’re here to help – find out how we can best serve your practice.
PNC Healthcare Business Banking serves companies with under $10 million annual revenue. If your company’s revenue is over $10 million, contact our PNC Commercial, Corporate & Institutional Banking Healthcare team.
Share your information and we’ll get in touch. By completing this form, you authorize us to contact you by email and/or phone. The states in the drop-down menu are the only states we currently serve. New states will be added as we continue to grow in the future.
All loans, lines of credit and PNC Bank credit cards are subject to credit approval. Requires automatic deduction from a business checking account. Other fees and charges may apply. May be subject to a property appraisal.
Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.
PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”).
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