Dental Practice Loans in Aurora, CO
Dental practice loans in Aurora fund the acquisitions, expansions and equipment purchases that keep a private practice competitive against DSOs. Marquette Capital Group structures dental financing for solo practitioners, group practices and specialists across the Denver metro — from a first practice purchase in Aurora Highlands to a second chair in Southlands.
Because dentists have stable cash flow and low default rates, lenders regularly approve 100% financing (practice + working capital + equipment) with terms up to 10 years unsecured or 25 years when real estate is included. What matters is packaging: production reports, hygiene numbers, and a defensible transition plan.
We work the file with SBA 7(a) lenders that are actively booking dental deals in Colorado, plus conventional practice lenders when speed or size matters more than the SBA guarantee.
- Buying an existing Aurora dental practice
- Second-location expansion in the Denver metro
- Equipment upgrades: CBCT, CEREC, digital scanners
- Partner buy-in or buy-out
- Practice + building combined financing
- Refinancing high-rate debt from a startup phase
- Dental license in good standing (Colorado or transferring)
- Personal credit typically 680+
- Practice tax returns (2–3 years) or LOI for acquisitions
- Production reports and A/R aging
- Personal financial statement
From intake to funded in four steps.
“Dental deals close well but rarely fast — expect 60 days for an acquisition once the LOI is signed. Skip lenders quoting 'two weeks' unless you're refinancing a simple equipment note; on practice buys, that timeline almost always slips and can jeopardize your closing.”
Questions Aurora operators actually ask.
Can I finance a practice purchase with 100% financing?+
Yes — dental is one of the few industries where 100% project financing (goodwill + working capital + equipment) is routine, especially for buyers with 2+ years of associate experience.
Do I need to own the building?+
No. Many Aurora practices operate on long-term leases. If you do want the real estate, an SBA 504 for the building paired with a 7(a) for the practice is the standard structure.
What if my credit is under 680?+
We can still work with scores in the mid-600s if compensating factors — strong production history, experienced buyer, low debt — support the file. Below 620 is harder.
Can associates with no ownership experience buy a practice?+
Yes. SBA lenders are comfortable with W-2 associates buying their first practice as long as clinical experience is solid and the seller is willing to stay through transition.
How long does an acquisition really take?+
Realistic timeline is 60–90 days from LOI to funded, driven mostly by SBA underwriting and lease/landlord consents — not by us.
Talk to Aurora about dental practice loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.