Practice Acquisitions
Estimate monthly payments when financing the purchase of an existing dental practice.
For future practice owners
Dental Practice Loan Calculator
Estimate Your Monthly Payment Before You Buy.
Whether you're purchasing a dental practice, financing new equipment, or investing in your existing practice, estimate your monthly loan payment and compare financing scenarios before making a decision.
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Calculate Your Monthly Loan Payment
Estimated monthly payment$11,870 / month
Principal + interestestimate only
Loan amount$1,000,000
Total estimated interest$424,421
Total loan repayment$1,424,421
Estimates are informational only and do not represent a loan offer, prequalification, or financing approval. Actual rates, terms, and loan amounts depend on lender underwriting.
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Register to Search for FreeMore than practice acquisitions
One Calculator. Multiple Financing Needs.
Whether you're preparing for ownership or investing in an established practice, explore how different loan amounts, interest rates, and repayment terms affect your monthly payments.
Equipment Financing
Explore financing costs for dental chairs, CBCT scanners, digital scanners, and other equipment purchases.
Practice Expansion & Renovations
Calculate estimated payments for additional operatories, office renovations, and expansion projects.
Understanding your loan
Three Factors That Shape Your Monthly Payment.
Your monthly payment depends on how much you borrow, the interest rate, and how long you have to repay the loan. Adjust these figures in the calculator to compare different financing scenarios.
Loan Amount
The amount you borrow is the starting point for your monthly payment. A larger loan generally results in higher monthly payments and greater total borrowing costs.
Interest Rate
Your interest rate affects both your monthly payment and the total cost of financing. Even a small difference in rates can have a significant impact over the life of the loan.
Loan Term
A longer repayment term generally lowers your monthly payment but increases the total interest paid. A shorter term increases your monthly payment while reducing overall interest costs.
Financing a practice acquisition
An Affordable Payment Doesn't Always Mean an Affordable Practice.
When purchasing a dental practice, lenders evaluate more than the proposed monthly payment. The practice must generate sufficient cash flow to support operating expenses, acquisition financing, and the buyer's financial needs.
What lenders evaluate
Practice Cash Flow
Whether the practice generates sufficient earnings to support acquisition financing and ongoing operations.
Revenue & Operating Expenses
How collections, overhead, and profitability affect the practice's ability to support debt payments.
Buyer Qualifications
The buyer's clinical experience, credit history, available liquidity, and existing financial obligations.
Financing Structure
How the purchase price, loan terms, and overall transaction structure affect the acquisition's financial feasibility.
QUESTIONS TO ASK
Dental Practice Financing, Explained.
Get answers to common questions about dental practice loans, equipment financing, monthly payments, and lender requirements.
How is my dental practice loan payment calculated?
Your estimated monthly payment is based on the loan amount, interest rate, and repayment term. Enter these figures into the calculator to see your estimated monthly payment, total interest, and overall repayment amount.
Can I use this calculator for dental equipment loans?
Yes. This calculator can estimate monthly payments for dental equipment financing, including dental chairs, CBCT scanners, digital scanners, and other technology. Simply enter the amount you plan to finance, an estimated interest rate, and the repayment term. You can also use it to explore financing scenarios for practice renovations and expansions.
How much can I borrow to buy a dental practice?
The amount you may qualify to borrow depends on your clinical experience, financial qualifications, available liquidity, existing debt, and the practice's financial performance. Lenders evaluate both the buyer and the practice before determining financing eligibility.
Do I need a down payment to buy a dental practice?
Not necessarily. Most dental practice acquisitions may qualify for financing without a down payment. Requirements vary by lender, buyer qualifications, and transaction structure. Lenders may still expect buyers to maintain sufficient available liquidity.
What interest rate can I expect on a dental practice loan?
Interest rates vary based on market conditions, lender requirements, borrower qualifications, and financing structure. Use the calculator to compare different interest rate scenarios and understand their impact on monthly payments.
How long are dental practice acquisition loans?
Repayment terms vary by lender and financing program. Dental practice acquisition loans are commonly structured with repayment periods of 10, 12 or 15-years, although other terms may be available depending on the financing arrangement.
Can I finance 100% of a dental practice purchase?
Some lenders offer financing that covers the full practice purchase price for qualified buyers and transactions. Approval depends on the buyer's qualifications, available liquidity, the practice's financial performance, and lender requirements.
Can I use this calculator for dental office renovations or expansions?
Yes. You can estimate monthly loan payments for office renovations, additional operatories, equipment upgrades, and other expansion projects. Enter your estimated financing amount and adjust the interest rate and repayment term to explore different payment scenarios.
Does this calculator tell me whether I'll qualify for financing?
No. This calculator estimates monthly payments based on the information you enter. It does not evaluate your creditworthiness, borrowing capacity, or the financial performance of a specific practice. Financing approval requires lender underwriting.
PLAN YOUR NEXT STEP
Prepare for Your Dental Practice Purchase.
Explore resources to help you evaluate your finances, understand the acquisition process, and prepare for practice ownership.
Buying · ChecklistDental Practice Acquisition ChecklistA phase-by-phase checklist to help you stay organized from readiness through transition.View checklist
Buying · Financial readinessDental Practice Ownership Financial Readiness ChecklistAssess whether your finances are ready to support early practice ownership.View checklist
Buying · First-time ownersBuy a Dental Practice Right Out of School?Explore the financial realities, readiness signals, and tradeoffs of early ownership.Read article
Buying · Owner’s guideBuying a Dental Practice: Complete GuideFollow the acquisition journey from assessing readiness to closing and transition.Read guideDental Shop's Dental Practice Loan Calculator provides illustrative payment estimates based on user-provided information and assumed financing terms. Results are for informational purposes only and do not constitute a loan offer, prequalification, preapproval, or guarantee of financing. Actual borrowing capacity, interest rates, loan terms, and financing availability depend on lender underwriting, borrower qualifications, and the financial performance of the practice or project being financed. Dental Shop is not a lender.