Need dental practice loans in Ann Arbor to buy equipment, acquire a practice, or cover payroll gaps? Ironcrest Lending Group brokers SBA 7(a), equipment financing, working capital, and commercial real estate loans with full cost transparency, no hidden fees, no rate surprises, so you know exactly what you'll pay before you commit.
Ann Arbor dental practices compete in a market shaped by University of Michigan students cycling in and out every four years and a growing retiree population in Scio Township and Pittsfield Township seeking implant and cosmetic work. Equipment costs, cone-beam CT scanners, CAD/CAM systems, laser units, routinely exceed $150,000, and most traditional banks hesitate to finance start-ups or associate buy-ins without three years of tax returns. Seasonal cash flow dips in summer, when students leave, compound the problem. Practices near South State Road or Stadium Boulevard also face higher lease rates, tightening working capital. A broker surfaces lenders who underwrite on future patient volume and equipment collateral, not just historical profit-and-loss statements, and compares offers side by side so you see every closing cost and monthly payment upfront.
Loan programs
SBA 7(a) loans cover up to 90 percent of a practice acquisition or build-out, with repayment terms stretching to 25 years for real estate and 10 years for goodwill, lowering monthly obligations. Equipment financing isolates the cost of a new chair, sterilizer, or digital X-ray system into a separate loan secured by the asset itself, preserving your credit line for payroll or supplies. Working capital loans bridge the gap between insurance reimbursements and vendor invoices, critical when Delta Dental or Blue Cross takes 45 days to pay. Invoice factoring converts outstanding patient balances into immediate cash at a disclosed discount. Commercial real estate loans fund the purchase of a standalone clinic on Main Street or Liberty Road, building equity instead of paying rent. A broker explains which structure keeps your debt-service coverage ratio above 1.25, the threshold most dental practice lenders require.
Get in touch
Ironcrest Lending Group requests term sheets from multiple lenders, then builds a comparison spreadsheet showing origination fees, prepayment penalties, personal-guarantee requirements, and total interest over the loan life. You'll see whether Bank of America dental practice loans carry lower rates than regional credit unions or SBA-preferred lenders, and whether a five-year balloon is cheaper than a fully amortized ten-year note. We disclose our broker fee in writing before you sign, and we never mark up lender rates. That transparency matters when you're deciding between a $400,000 acquisition loan and a $50,000 equipment line, two decisions with wildly different cash-flow impacts.
A general dentist in Dexter wanted to buy out a retiring partner's 50 percent stake, valued at $320,000, and upgrade two operatories with digital sensors and intraoral cameras for another $80,000. Traditional banks offered only $200,000 without a spousal co-signer. We brokered an SBA 7(a) loan covering the full $400,000 at a fixed rate, using the practice's three-year revenue trend and the equipment as collateral. The dentist saw four term sheets, chose the one with no prepayment penalty, and closed in 47 days. Monthly payments fit comfortably within the practice's existing debt-service coverage, and the new sensors reduced retake rates, improving both patient satisfaction and hygiene-department productivity.
Call Ironcrest Lending Group at (734) 275-4683 or visit us at 5210 S State Rd, Ann Arbor, MI 48108 to compare dental practice financing options across Ann Arbor and nearby areas. We serve Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Ypsilanti, and Superior Township with broker-level cost transparency.
Serving the Ann Arbor area
We know which lenders fund which kinds of Ann Arbor businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
