Short Answer

This calculator estimates monthly payments and total interest on any dental practice loan. The defaults reflect a typical $750K acquisition loan at 9.75% APR over 10 years — a monthly payment of about $9,800. Adjust the sliders below to model your specific scenario.

Dental Practice Loan Calculator

Dental Practice Loan Calculator

$50K$5M
6%18%
3 yrs25 yrs

Monthly Payment

$9,808

Total Interest

$426,932

Total Paid

$1,176,932

Estimates only. Actual loan payments depend on your lender's exact rate, fees, and underwriting. Pre-qualify with multiple lenders to see real offers.

How to Use This Calculator

Adjust three inputs to model your loan:

  • Loan amount — The total you'll finance. For acquisitions, this is typically the purchase price (often 100% financed for qualified dentists). For de novo, this is the total project cost. For equipment, it's the equipment price plus tax.
  • Interest rate — Your expected APR. SBA 7(a) is currently 9.75–10.25%. Conventional dental loans range 8.5–11%. Equipment loans range 7.5–14%.
  • Term — Loan length in years. SBA 7(a) caps at 10 years for practice/equipment, 25 years for real estate. Conventional loans typically 5–10 years. Equipment loans typically 3–7 years.

Common Scenarios

Scenario Loan Rate Term Monthly
Small acquisition$400K9.75%10 yr$5,232
Typical acquisition$750K9.75%10 yr$9,810
Large acquisition$1.2M9.5%10 yr$15,532
De novo startup$600K10.25%10 yr$8,016
Equipment package$200K9.5%7 yr$3,281
CBCT financing$100K8.5%5 yr$2,051

What Monthly Payment Should Your Practice Support?

A general guideline: total debt service should not exceed 8–12% of collections for an established practice. For a practice collecting $1.2M annually:

  • 8% of collections = $96,000/year = $8,000/month maximum debt service
  • 12% of collections = $144,000/year = $12,000/month maximum debt service

This range supports a comfortable owner take-home plus retained earnings for growth. Practices that push past 15% debt service typically run into cash flow stress. Practices below 5% are likely under-leveraged given dental cost of capital.

Get Real Loan Quotes

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Related Resources

Frequently Asked Questions

How do I use the dental practice loan calculator?
Adjust the loan amount, interest rate, and term to see your estimated monthly payment, total interest, and total cost. The default values reflect a typical $750K acquisition loan at the SBA 7(a) rate (9.75% APR) over 10 years. Slide the controls to model your specific scenario.

What's a typical monthly payment on a dental practice loan?
For a $500K loan at 9.75% APR over 10 years: about $6,540/month. For a $1M loan at the same terms: about $13,080/month. The calculator above shows real-time results for any combination — adjust the amount, rate, and term to model your specific situation.

Does this calculator include taxes and insurance?
No. This is a principal-and-interest calculator. Total ownership cost includes: malpractice insurance, business insurance, lease, equipment maintenance, payroll, lab fees, and supplies. A working CPA can model the full picture. Most established dental practices target debt service at 8–12% of collections.

How accurate is this calculator?
The math is exact for the inputs you provide. Real loan quotes from lenders may differ from your estimates due to origination fees (0.5–2%), SBA guarantee fees, prepayment penalties, and rate adjustments based on your specific underwriting. Use this calculator to estimate; use lender pre-qualifications to confirm.