Shorerock Loans, a small-business funding service in Marietta, Georgia, explains financing for Cobb County dental practices: equipment loans and leases for chairs and imaging, term loans for build-outs and practice purchases, and working capital, with Census Bureau counts for dentist offices.
At a glance
- Offices of dentists, Cobb County, GA
371 employers, 2,840 employees (CBP 2023)
- Annual payroll
$185.1 million (CBP 2023)
- Share with fewer than 5 employees
37.2% (CBP 2023)
Dental Practice Loans in Marietta, GA
Cobb County had 371 offices of dentists with payroll in 2023, employing 2,840 people with $185.1 million in annual payroll (County Business Patterns). Only 138 of them, or 37.2%, had fewer than five employees, a much lower share than the county's 58.6% across all employers, because a working dental office needs hygienists and assistants as well as the dentist. By our arithmetic payroll averaged $65,162 per employee.
Dental Business Loans
| Expense | Compare | Note |
|---|---|---|
| Operatory chairs and delivery units | Equipment loan | Long-lived; ownership can suit |
| CBCT or digital imaging | Equipment loan or lease | Technology ages; compare both |
| Adding operatories | Term loan plus equipment | Plumbing, electrical and permits |
| Buying a practice | Term loan | Patient base and staff retention |
| A hygienist before the schedule fills | Working capital | Size it to the ramp-up |
Dental Office Financing Around Marietta, GA
A build-out for a dental office involves plumbing, compressed air, vacuum lines and electrical work at each operatory, so permits and contractor estimates come before funding. Check zoning and permits for the address first, then split the request: the build-out on a term loan, the chairs and imaging on equipment financing.
Dental Clinic Loans for Cobb County, GA Businesses
A partner reading a dental practice looks at monthly collections, the mix of insurance and fee-for-service patients, active patient counts, hygiene production and existing equipment leases. Practices with several dentists or locations should have collections broken out by location.
Dentist Practice Loans: How It Works in Marietta, GA
- Describe the expense: equipment, build-out, purchase or payroll.
- Provide twelve months of collections and bank statements.
- Add quotes, the contractor estimate or the purchase agreement.
- List existing loans and equipment leases.
- Answer the partner's questions on patients, payers and staff.
Dentist Business Loans: What Cobb County, GA Owners Compare
Owners compare the total cost of an equipment loan against a lease, and the term of a practice-purchase loan against the expected retention of patients. Illustration only, invented figures: a $95,000 imaging unit leased at $1,950 a month for 60 months costs $117,000 in payments by our arithmetic ($1,950 x 60), before any buyout; a loan at a stated rate would be compared on the same total.
Related: physician practices, chiropractic and therapy, equipment financing, term loans, working capital. Dental and health employer counts sit on the Marietta, GA page. All industries: the industries page.
A buyer's checklist for a Cobb County, GA dental office
- Collections by month and by provider for three years
- Active patients and hygiene recall rates
- Insurance plan participation and fee schedules
- Equipment ages and the imaging technology in use
- Staff, pay and who will stay
- The lease and its assignment
A purchase is funded with a term loan after the down payment and any seller note; equipment that needs replacing can go on equipment financing.
Hiring an associate or hygienist before the schedule fills
A new hygienist or associate dentist costs payroll from the first day, while the schedule takes time to fill. Working capital sized to the months of ramp-up, with a plan for when the new production covers the cost, keeps the request specific.
Intraoral scanners and cone-beam imaging: lease or own?
Intraoral scanners and cone-beam imaging change from one model year to the next, which argues for comparing a lease with a loan. Practice management software is a subscription paid from operating cash. Ask the vendor what service and updates the price includes.
Dental office records a funding partner asks to see
- Collections by provider and by month
- Insurance and fee-for-service mix
- Active patients, plus new patients added each month
- Existing equipment leases and loans
- The office lease and any operatory build-out quote
Dental offices in Cobb County, GA Census tables
Offices of dentists (NAICS 6212): 371 employers in 2023, 23 with a ZIP 30060 address; 209 dental practices without paid employees appeared in the separate 2024 Nonemployer Statistics with $12.1 million in receipts. The health care and social assistance sector as a whole had 2,538 employers in the county.
Who funds a dental request sent through Shorerock?
Funding partners. Shorerock matches the request with partners who review it and decide; any offer comes from the partner, and the practice owner decides whether to accept it after comparing total cost and the payment schedule.
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