The art and science of dentistry goes far beyond teeth. You want to grow your business wisely, and working with a lender who has experience in your industry is part of that equation. Live Oak Bank has financed over $700 million in practice loans to dental and medical professionals for acquisition, expansion, construction, commercial real estate, refinance, working capital and more.

Because we’re able to accept lower down payments than a conventional lender usually requires, your dental practice retains more cash to keep up with the pace of business. Whether you are a General Dentist, Pediatric Dentist, Oral and Maxillofacial Surgeon, Orthodontist, Endodontist, Periodontist or Prosthodontist—we can help you build the practice of your dreams through financing.


We're ready when you are


At Live Oak, we know our way around the dental industry. Our unique lending process pairs our experienced Dental Lending Team with our Construction Loan Team to ensure your project stays on budget.

  • Dedicated Dental Lending Team
  • Transparent, streamlined loan process
  • In-house Construction Loan Team
  • Business Advisory Group for guidance throughout the life of your loan
  • Appraisal flexibility
  • Flexible prepayment options
  • No balloon payments or covenants

Top 4 scenarios when Live Oak dental financing is a great solution:

  • Lease to Own: You want to buy a building that you are currently leasing or move out of a leased space into a new building that you will own.
  • Expansion: You are out of space and wish to undertake an expansion project or purchase a new building to renovate.
  • Practice Acquisition/Start up: You want to start or buy a practice that involves purchasing real estate.
  • Multi-Practice Ownership: You are starting or buying your second, third or fourth location.


Express Business Loans

We’ve made the qualification process easy and will get the funds to you fast—so you can get back to business. Our online loan application simplifies the process through funding, so you know what’s happening through every step.


We love complex deals. Our industry experts are focused on helping small business owners obtain financing, no matter what challenges you may have faced in the past. This consultative role brings a value-added perspective throughout our relationship.