Eric ChenBuying a Dental Practice with a Credit Score Below 680
A sub-680 credit score makes dental practice financing harder — but not impossible. Here's how to assess your options, fix what you can, and still close a deal.
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Dental Practice Buying & Selling Blog
Expert guides and market insights for dental practice buyers, sellers, and brokers.
Buying Guide145Due Diligence85Financing65Location Analysis7Market Trends6Practice Management53Valuation39
Eric Chen
Eric ChenExpenses New Dental Practice Owners Don't Budget For
The costs that catch first-year dental practice owners off guard — and how to build a budget that actually holds up after closing.
Buying GuidePractice ManagementFinancing
Eric ChenWhat Banks Actually Look for When Financing a Dental Practice Buy
Banks evaluate two parallel files when you apply for a dental practice loan — yours and the practice's. Here's exactly what they look for in both.
FinancingBuying Guide
Eric ChenSBA Loan vs Conventional Loan for Dental Practice Buyers
SBA loans offer 25-year terms and lower credit bars. Conventional loans deliver fixed rates and faster approval. Here's how to choose for your deal.
FinancingBuying Guide
Eric ChenHow Long After Buying a Dental Practice Can You Sell It?
There's no legal minimum holding period, but selling too soon creates tax penalties, lender complications, and valuation problems that cost buyers money.
Buying GuideFinancingValuationPractice Management
Eric ChenBank Appraisal Came in Lower Than Dental Practice Asking Price
When the bank appraisal comes in below asking price, you have options: renegotiate, cover the gap, or challenge the valuation. Here's how to respond.
FinancingDue DiligenceValuationBuying Guide
Eric ChenHow Much Should I Spend on Marketing First Year Owning a Practice?
First-year practice owners face competing cash demands. Here's how to set a marketing budget that protects patient retention without straining debt service.
Practice ManagementBuying GuideFinancing
Eric ChenWhy a Second Dental Practice Is Harder Than the First
The leap from one practice to two isn't just growth—it's a different business model. Here's what buyers need to know before acquiring a second location.
Buying GuidePractice ManagementFinancing
Eric ChenFound a Better Dental Practice After Signing the LOI: Your Options
You signed an LOI, then found a better practice. Here's what your exclusivity clause means, when you can walk away, and how to evaluate both deals objectively.
Buying GuideDue DiligenceFinancing
Eric ChenDental Practice Loan Denied by Multiple Banks: What to Do Next
Multiple loan rejections don't end your path to ownership. Here's how to diagnose why banks said no, fix the underlying issues, and find financing that works.
FinancingBuying Guide
Eric ChenShould You Form an LLC Before Making an Offer on a Dental Practice?
Most buyers can wait until after the LOI is signed to form their LLC. Here's when entity formation timing matters—and when it doesn't.
Buying GuideFinancing
Eric ChenFee-for-Service vs PPO Dental Practice: Which Is Worth More?
Fee-for-service practices command higher valuations than PPO-heavy practices. Here's how insurance mix affects EBITDA, debt service, and purchase price.
Buying GuideValuationDue DiligenceFinancing