Can I get an orthodontic practice loan with bad credit?

Platform Funding offers dental practice loans up to $3 million with same‑day approval and states that bad credit is acceptable without requiring collateral (platformfunding.com).

Lender options that accept bad credit

• Contact Platform Funding to confirm their credit‑score thresholds and ask about any additional documentation they require.

Review Traditional Banks vs. Specialty Dental Lenders for Orthodontic Loans: 2026 Comparison while preparing questions for the lender.

How lenders evaluate creditworthiness

Lenders evaluating a dental practice loan consider credit score, cash flow, collateral, and industry experience, and a lower score usually results in higher interest rates and stricter terms rather than an automatic denial (loanqualifications.com).

• Prepare a summary of practice cash flow, list all collateral you can offer, and write down your years of industry experience.

Review Top Lenders for Orthodontic Practice Loans in 2026: A Comprehensive Comparison while preparing questions for the lender.

Alternative financing that uses equipment as collateral

Dental equipment financing can be obtained with bad credit when the equipment serves as collateral, and rates vary widely based on credit profile, equipment age, and term length (providecapital.com).

Interest rates for dental equipment financing range from 5% to 30% depending on the lender and borrower’s creditworthiness (southstatebank.com).

• Make a list of the equipment you plan to purchase, note its age and value, and request quotes from at least two equipment‑financing providers.

Traditional bank programs and their credit requirements

The SBA 7(a) loan program can provide up to $5 million in financing for practice acquisition, equipment, or working capital (sba.gov).

Bank of America requires a minimum credit score of 680 to qualify for its dental practice loans, which can fund up to $10 million for purchases, renovations, or equipment (cgaa.org).

• Ask Bank of America and your local SBA‑preferred bank about their minimum score, required documentation, and whether a co‑borrower could improve your eligibility.

Disclosures

This content is for educational purposes only and is not financial advice. orthodonticpracticeloans.com may receive compensation from partner lenders, which may influence which products are featured.

Sources

• platformfunding.com
• loanqualifications.com
• providecapital.com
• southstatebank.com
• sba.gov
• cgaa.org