Dental Loan Calculator

Common financing paths include SBA 7(a) loans (up to $5 million, 10-year terms), conventional bank loans, and specialty dental lenders who understand practice cash flows. SBA loans often require less collateral but carry more paperwork, while specialist lenders can approve deals faster with practice goodwill as primary security.

The calculator uses the standard amortization formula: Monthly Payment = P * [r(1+r)^n] / [(1+r)^n - 1], where P is the principal financed (Loan Amount minus Down Payment), r is the monthly interest rate (annual interest rate / 12 / 100), and n is the total number of monthly payments (Term in Years * 12).

Most dental lenders require a DSCR of at least 1.25, meaning your net operating income must be 25% higher than your annual debt payment. Some specialty lenders accept 1.15 for established practices with strong patient retention. Use the loan calculator alongside your practice revenue projections to confirm you comfortably exceed this threshold.

A larger down payment reduces monthly payments and total interest paid, and improves your DSCR from day one. However, preserving working capital is equally important — running out of cash in your first six months can be more dangerous than a slightly higher loan payment. Most advisors recommend retaining three to six months of operating expenses as a reserve.