Laurelwick Lenders passes dental office funding requests from Lake Havasu City, Arizona to funding partners. County Business Patterns counted 74 offices of dentists with paid employees in Mohave County, AZ in 2023. This page covers dental practice loans, office financing, working capital for dentists, financing options, practice acquisitions and the payment math for a new operatory.
At a glance
- Offices of dentists, Mohave County, AZ
74 employers, 622 employees (County Business Patterns 2023)
- Dental offices with fewer than five employees
30, or 40.5% (County Business Patterns 2023)
- Dental practices without paid employees
22 (Nonemployer Statistics 2024)
Dental Practice Loans: What Dental Groups Adding Operatories Compare
Mohave County, AZ counted 74 offices of dentists (NAICS 6212) with paid employees in 2023, employing 622 people with $35.6 million in annual payroll, about $57,214 per employee (our arithmetic, County Business Patterns 2023). 20 of them had a ZIP 86403 address (ZIP Code Business Patterns 2023). Dental groups adding operatories compare loans on three points: whether the chairs and imaging secure their own financing, how the payment sits against collections in a thin month, and whether the build-out is financed with the equipment or apart from it.
| What the practice needs | Funding type | Records a partner reads |
|---|---|---|
| Chairs, delivery units, sterilization | Equipment financing | Supplier quote with model numbers |
| Cone-beam or intraoral imaging | Equipment financing or lease | Quote, service contract, collections |
| A practice purchase or partner buyout | Term loan | Seller's returns, production reports |
| Wages while claims are processed | Line of credit | Receivables aging by payer |
Dental Office Financing: Questions From Dental Offices
- Can an operatory build-out and its equipment go on one request? They can be described together, and partners may fund them as two pieces.
- Does the practice need two years of returns? Term loan partners read at least the latest return; equipment financing may lean on statements and the quote.
- Will a lender read production or collections? Collections, since they show what payers actually pay.
- Can a newly purchased practice finance more equipment? Yes, though partners read the new owner's results under that ownership.
Dental offices asking these questions are weighing the same records from different sides; the answers depend on the partner and the product.
Working Capital for Dentists: Lake Havasu City, AZ General and Specialty Practices
Working capital for dentists covers the stretch between treating a patient and collecting from the patient's insurer. General practices bill many payers in small amounts; specialty practices bill fewer, larger claims. Either way, wages, lab bills and supplies come due before the claims are paid. Illustration only, invented figures: a practice producing $118,000 a month that collects 92% of production brings in about $108,560 (our arithmetic); a payer slowing down by a few weeks moves a share of that past payday.
Of the county's 74 dental offices, 30 had fewer than five employees in 2023 (County Business Patterns 2023), practices where a single slow payer shows up quickly in the bank balance.
Working Capital for Dental Office: A Mohave County, AZ Checklist
- Pull twelve months of collections by payer from the practice software.
- Calculate how many days each payer takes, on average.
- Set payroll, rent, lab and supply bills against weekly collections.
- Mark the weeks when collections fell below those bills, and by how much.
- Decide whether the shortfall repeats; a recurring one points to a line, a single one to a loan.
A Mohave County, AZ practice with that worksheet in hand can phone (928) 437-8609 with a figure rather than a guess.
Dental Practice Financing Options for Practice Owners
Practice owners have four main routes: equipment financing or a lease for chairs and imaging, a term loan for a purchase or build-out, a line of credit for claims timing, and supplier financing offered by equipment makers through their dealers. Each has trade-offs. Supplier programs can bundle service but tie the practice to one brand; a bank term loan can run longer but asks for a fuller file.
Can a dental office finance chairs and imaging? works through an operatory in detail.
Dental Office Acquisition for Mohave County, AZ Dentists Buying a Practice
Buying a dental practice means buying its patient base, equipment, staff relationships and lease. Mohave County, AZ dentists buying a practice should expect partners to read the seller's last three returns, production and collections by provider, the patient count, the equipment list and the lease. Illustration only, invented figures: a $620,000 practice purchase with $124,000 down, financed over 120 months at an invented annual rate of 9.75%, carries an invented payment near $6,486 a month (our arithmetic).
- Confirm how much of production comes from the selling dentist personally.
- Check the lease term and whether the landlord consents to assignment.
- List equipment ages and service contracts.
- Plan for the seller's transition period, if any, in the purchase agreement.
Dental Business Loan Calculator: What Dental Groups Adding Operatories Compare
A dental business loan calculator does three sums: the payment, the total paid and the share of collections the payment takes. Illustration only, invented figures: two chairs at $26,000 each and $68,000 of imaging total $120,000. Over 60 months at an invented annual rate of 9%, the invented payment is about $2,491 a month and the total paid about $149,460 (our arithmetic). At $108,560 a month of collections, the payment takes 2.3% of them in this invented case.
Run the same sums with a real quote and your own collections. Equipment financing compares a loan with a lease, and the Lake Havasu City, AZ page has the county's health care counts: 518 employer establishments in 2023 (County Business Patterns 2023).
By Laurelwick Lenders · Updated