Dental Loan After Bankruptcy

Dental Loan After Bankruptcy: How IMS Financial Helped Me Get Funded When No One Else Would

Navigating the financial side of running a dental practice can be overwhelming—especially when you’re carrying the weight of a past financial hardship. A few years ago, I had to file for bankruptcy due to circumstances outside of my control. It was a difficult time, both personally and professionally, but I was determined to rebuild.

About three years after my bankruptcy discharge, I felt ready to take the next step and invest in my practice. I needed funding to cover equipment upgrades, some office renovations, and working capital to help manage cash flow. I knew it wouldn’t be easy, but I was hopeful. I reached out to IMS Financial, a company I had heard good things about.

First Attempt: Not Quite Ready Yet

I submitted my application and spoke with the team at IMS. They were encouraging, transparent, and respectful throughout the process. Unfortunately, at that time, the recency of my bankruptcy made it too difficult to get the deal approved. While it was disappointing, IMS never made me feel like a lost cause. They explained the reasoning clearly and even gave me tips on how to strengthen my financial profile for future consideration.

I tried applying through other lenders—banks, online platforms, and other specialty financing companies—but every door seemed to close. It felt like my past bankruptcy defined my financial future. I wasn’t sure where to turn next.

Second Attempt: A New Opportunity with IMS Financial

Fast forward a couple of years later, my practice had grown, and I had been diligent in rebuilding my credit. I was still in need of capital to expand and upgrade my operations, so I decided to give IMS Financial another call. This time, I was more prepared—and so were they.

The IMS team guided me step-by-step through the process. They helped me assemble the necessary paperwork, including:

Updated bank statements showing consistent cash flow
A letter of explanation about the circumstances that led to my bankruptcy
A detailed outline of how I’d used the funds to strengthen my practice

They didn’t just submit my paperwork blindly—they built a case for me and believed in me when most lenders wouldn’t even take the time to ask questions.

Approved and Funded When No One Else Would

Thanks to their help and persistence, my application made it through underwriting. I was approved and funded in just a few business days. That moment was incredibly validating. I had worked hard to recover, and now I finally had the support I needed to move forward.

With the funds, I was able to purchase new imaging equipment, complete minor renovations, and smooth out my operating expenses. The result? My patient experience improved, my production increased, and my stress level dropped.

Why IMS Financial Was the Right Choice

IMS Financial didn’t just process an application—they listened to my story, advocated on my behalf, and treated me like a person, not a credit score. Their experience with dental loans after bankruptcy made all the difference.

If you’re a dentist who’s faced financial setbacks and think funding isn’t possible, take it from me—it is. IMS Financial gave me a second chance when others wouldn’t. And I couldn’t be more grateful.

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: