Debt Consolidation and Working Capital Loan

Debt Consolidation and Working Capital Loan: How IMS Financial Helped Me Secure $75,000 to Keep My Practice Running Smoothly

Owning a dental practice means wearing a lot of hats—from providing patient care to managing payroll and staying on top of equipment needs. I’m Dr. Julio G., and earlier this year, I found myself juggling multiple financial priorities that were starting to strain my cash flow.

I needed to consolidate existing debt, replace a few pieces of equipment, and make sure I had enough working capital to cover overhead without relying on credit cards or personal savings. After reviewing my situation, I estimated I’d need about $75,000 to manage everything efficiently. That’s when I reached out to IMS Financial.

Why I Needed a Dental Debt Consolidation and Working Capital Loan

Running a busy practice means constantly investing—whether it’s in new dental technology, staffing, or facility improvements. But over time, small loans and vendor payments had accumulated, and I found myself managing multiple high-interest debts with different due dates and inconsistent terms.

At the same time, my overhead costs were rising, and a couple of essential equipment repairs couldn’t wait. I wanted to streamline everything and secure a single, affordable monthly payment that would free up cash flow and allow me to plan more confidently.

IMS Financial Moved Fast—and Made the Process Easy

I had heard about IMS Financial from a colleague and decided to give them a call. From the very beginning, their team was knowledgeable, direct, and easy to work with. After reviewing my credit, which was in good standing, they told me they could move quickly—and they did.

Within 24 hours, I received approval for the full $75,000, with a competitive interest rate and a simple repayment structure. A few business days later, I was funded, and I immediately began putting the loan to work.

One Loan, Multiple Solutions

The beauty of this loan was its versatility. I was able to:

Consolidate several existing debts into a single, manageable payment
Invest in essential dental equipment to improve workflow and patient experience
Cover payroll, rent, and other core operating expenses without tapping into reserves

This debt consolidation and working capital loan gave me stability at a time when my practice needed it most.

Why IMS Financial Is My Go-To Lender

IMS Financial delivered exactly what I needed—quick approval, fast funding, and terms that respected the realities of running a dental business. They didn’t drown me in paperwork or require weeks of waiting. They just got it done.

If you’re a dentist looking to consolidate debt and gain more control over your monthly finances, I highly recommend reaching out to IMS. Their dental practice loan options are tailored for professionals like us, and they genuinely understand how to keep a practice moving forward.

Our mission has always been to provide Hassle-Free Financing for our clients.

We provide funding for Dental and Medical professionals to help meet a variety of needs, including: