Eric ChenDental Practice Loan Rate Lock Expiring Before Closing
Your dental practice loan rate lock is about to expire before closing. Here's what it costs, who pays, and the steps to protect your rate.
FinancingBuying Guide
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Expert guides and market insights for dental practice buyers, sellers, and brokers.
Buying Guide173Due Diligence108Financing77Location Analysis7Market Trends8Practice Management58Selling Guide1Valuation54
Eric Chen
Eric ChenWhen Your Spouse Earns More: How to Size Your Practice Risk
If your spouse earns more than the practice will, that changes how much salary you need on day one — and which deals you can afford to take on.
FinancingBuying Guide
Eric ChenDental Practice Used as Collateral: What Buyers Must Check
When a seller's other businesses carry debt secured by the dental practice, buyers can inherit lien complications. Here's how to find them and protect yourself.
Due DiligenceBuying GuideFinancing
Eric ChenDental Practice Add-Backs: What Lenders Actually Accept
When a lender disputes seller add-backs, your deal math changes fast. Here's how to read the add-back schedule before you make an offer.
FinancingDue DiligenceValuationBuying Guide
Eric ChenBuying a Dental Practice Right After GPR or AEGD
Finished your GPR or AEGD and wondering if it's too soon to buy? Here's how to evaluate your readiness — clinically, financially, and with lenders.
Buying GuideFinancing
Eric ChenDental Practice Seasonal Cash Flow: What Buyers Must Know
Buying a seasonal dental practice? Learn how to read monthly production data, size your working capital, and survive slow months without a cash crisis.
Buying GuideDue DiligenceFinancing
Eric ChenUsing Your Spouse's Income to Qualify for a Dental Practice Loan
Spouse income can help you qualify for a dental practice loan — but only in specific ways. Here's how lenders actually use it, and what it costs you.
FinancingBuying Guide
Eric ChenHow to Read a Dental Practice P&L as a First-Time Buyer
The P&L tells you what a practice actually earns — not what the seller claims. Here's how to read every line before you make an offer.
Due DiligenceBuying GuideValuationFinancing
Eric ChenDental Practice Loan Taking Too Long? Here's What to Do
Loan approval dragging past your closing deadline? Here's how to diagnose the delay, keep the seller on board, and protect your deal.
FinancingBuying Guide
Eric ChenSeller Owes Back Payroll Taxes: What Dental Buyers Must Know
Buying a dental practice when the seller owes back payroll taxes? Here's how liability can follow the deal — and how to protect yourself before closing.
Due DiligenceBuying GuideFinancing
Eric ChenUCC Liens on Dental Practice Equipment: A Buyer's Guide
UCC liens appear in nearly every dental practice sale. Here's how to find them, what they mean for your deal, and how to protect yourself before closing.
Due DiligenceBuying GuideFinancing
Eric ChenBudgeting for Equipment Upgrades After Buying a Dental Practice
How to assess equipment condition before closing, build a realistic upgrade budget, and finance new technology without straining your first-year cash flow.
Buying GuideFinancingPractice ManagementDue Diligence
Eric ChenHow Payer Mix Affects How Much You Can Borrow to Buy a Practice
Payer mix shapes your DSCR, your loan ceiling, and your valuation. Here's how lenders read it — and how buyers can use it to negotiate.
FinancingDue DiligenceValuation