Tool

Dental Practice Loan Calculator

Estimate dental practice acquisition or startup financing with purchase price, equipment, working capital, borrower cash, existing debt, payments, DSCR, and funding gaps.

Practice purchase price / startup budget Equipment, imaging, and technology Tenant improvements / renovation Working capital reserve Closing, legal, and professional costs Borrower cash contribution Practice loan amount Annual interest rate % Term months Origination / lender fee % Fixed closing costs Projected annual collections Operating expense % before doctor pay and debt Annual doctor compensation / owner draw Existing monthly debt service Target DSCR

Check practice cash flow after owner compensation

Dental practice financing often depends on collections, adjusted EBITDA, doctor compensation, equipment needs, leasehold work, working capital, existing student or practice debt, and lender DSCR. Compare this estimate with the business acquisition loan calculator, SBA 7(a) loan calculator, equipment financing calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not provide lending, valuation, accounting, tax, legal, dental practice management, or clinical advice. Confirm numbers with your lender, CPA, attorney, broker, and practice advisor.