$300,000 for Practice Start-Up

Dental Startup Loan: How IMS Financial Helped Me Secure $300,000 for My Third Location—Even With Credit Challenges

As a multi-practice owner, I’ve learned that expansion always comes with unexpected hurdles. I’m Dr. S. S., and after successfully opening two dental offices with the help of IMS Financial, I reached out again when the opportunity came to launch my third location.

This time around, I needed a substantial amount of funding—$300,000—to cover tenant improvements, equipment purchases, and early-stage overhead like payroll and marketing. But unlike my previous experiences, I wasn’t sure if I would qualify due to a couple of recent credit missteps.

My Credit Score Dropped—But IMS Didn’t Walk Away

Between my second and third offices, I had experienced a temporary cash flow issue that caused a couple of late payments on a business credit card. As a result, my credit score dropped below 650, and I worried that it might impact my ability to get the full amount I needed.

Despite the setback, I reached out to IMS Financial—because I knew from experience that they don’t judge clients solely by a number on a credit report. I explained the situation, and their team immediately got to work.

A Dental Startup Loan That Looked Beyond the Credit Score

IMS took the time to understand what had happened and how I had since gotten my payments back on track. They helped me put together supporting documentation to demonstrate the strength of my business—bank statements, a detailed business plan for the new location, and a timeline for expected cash flow.

Instead of rejecting my application or asking me to wait six months, they helped me take proactive steps to resolve the issue and move forward. A few days later, I received the news I was hoping for: IMS had approved me for the full $300,000.

Fast Funding That Kept My Buildout on Schedule

Time was critical. Contractors were ready to start, vendors were waiting on deposits, and delays would have cost me more in the long run. Thanks to IMS, the dental startup loan was funded quickly, and I was able to keep everything on schedule.

The funding allowed me to:

Build out the space with custom dental operatory cabinetry and sterilization centers
Cover initial payroll while hiring and training new team members
Launch a pre-opening marketing campaign to attract new patients
Invest in modern dental technology that set the new practice apart

Why IMS Financial Is My First Call—Every Time

This wasn’t my first loan with IMS, and it certainly won’t be my last. They’ve helped me expand from one practice to three, and every step of the way, they’ve treated me like a valued partner—not just a transaction.

If you’re a dentist looking for dental startup financing or need help launching a new location—even if your credit isn’t perfect—I can’t recommend IMS enough. They know the dental industry, they work fast, and they find solutions where other lenders see obstacles.

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: