Dental Practice Loan Calculator
Enter your loan details and instantly see your monthly payment, total cost, and how much you can save by paying a little extra each month.
Your Loan
Pay it off faster
Even a small extra payment each month can save you thousands and shave years off your loan.
Is this payment manageable?
A safe guideline: your loan payment should be no more than 15–20% of your monthly gross revenue. At $2,968/mo, your practice needs to bring in at least $14,838–$19,784/monthto carry this comfortably. If you're below that range, consider a longer repayment period or a smaller loan.
Loan Calculator FAQs
Common financing paths include SBA 7(a) loans (up to $5 million, 10-year terms), conventional bank loans, and specialty dental lenders who understand practice cash flows. SBA loans often require less collateral but carry more paperwork, while specialist lenders can approve deals faster with practice goodwill as primary security.
The calculator uses the standard amortisation formula — principal × [monthly rate / (1 − (1 + monthly rate)^−n)] — where n is the total number of monthly payments. Enter the loan amount, annual interest rate, and term in years and the tool instantly outputs your exact monthly obligation so you can stress-test your cash flow.
Most dental lenders require a DSCR of at least 1.25, meaning your net operating income must be 25 % higher than your annual debt payment. Some specialty lenders accept 1.15 for established practices with strong patient retention. Use the loan calculator alongside your practice revenue projections to confirm you comfortably exceed this threshold.
A larger down payment reduces monthly payments and total interest paid, and improves your DSCR from day one. However, preserving working capital is equally important — running out of cash in your first six months can be more dangerous than a slightly higher loan payment. Most advisors recommend retaining three to six months of operating expenses as a reserve.