Debt Consolidation and Working Capital

Dental Overhead and Debt Refinance Loan: How IMS Financial Helped Me Secure $130,000 for My Practice

Like many practice owners, I keep a close eye on cash flow—especially during unpredictable seasons. I’m Dr. Bruce B., and earlier this year, I found myself needing a financial boost to help manage general overhead expenses. My practice was steady, but I needed to shore up some short-term gaps in operating cash.

Initially, I planned to request $100,000 in working capital to handle payroll, rent, and vendor obligations. But after connecting with IMS Financial, we took a closer look at my financial picture and found an opportunity to go a step further.

More Than Just Overhead Help—Consolidating Debt for Added Efficiency

During my consultation with IMS, we reviewed some of my existing business debt—and it became clear that refinancing part of it would reduce my overall monthly payments. I had about $30,000 in high-interest debt that was eating into my cash flow each month.

Instead of applying for a loan just to cover overhead, I decided to use this opportunity to consolidate that additional $30K into the new financing package. IMS supported the idea immediately and revised the loan structure to reflect the change.

Approved for $130K in 24 Hours—No Delays

The IMS team worked fast. Within just 24 hours, they approved me for the full $130,000, combining the original working capital request with the additional debt consolidation. The process was smooth, professional, and didn’t require stacks of paperwork.

Within a few business days, the funds were in my account, and I was able to move forward with both covering my overhead expenses and paying off the old loan balances in full.

What This Loan Did for My Practice

Thanks to IMS Financial, I gained:

The working capital I needed to manage payroll, supplies, and rent
A single, affordable payment that replaced several high-interest accounts
Lower monthly debt obligations and better long-term financial visibility

This dental refinance and working capital loan gave my practice exactly what it needed—a clean slate and a stronger foundation for the months ahead.

Why I Recommend IMS Financial

IMS Financial took the time to tailor the loan to fit my exact needs. They didn’t offer a cookie-cutter solution. Instead, they gave me a practice funding strategy that addressed both my short-term needs and long-term goals.

If you’re a dentist looking to improve cash flow, refinance debt, or cover overhead, I highly recommend working with IMS. Their team moves fast, communicates clearly, and truly understands the financial realities of running a dental office.

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: