Episode
Dental Practice Finances: The SBA Express Loan That Funds $350K in 2 Weeks
- Published
- May 27, 2026
- Duration seconds
- 1926
- Processing state
not_requested
Actions
POST https://stenobird.com/v1/public/podcasts/dental-unscripted-getting-into-ownership-and-practice-management-insights-7069719/episodes/dental-practice-finances-the-sba-express-loan-that-funds-350k-in-2-weeks/transcription-requests
Idempotently request low-priority transcript generation for this episode.GET https://stenobird.com/podcast/dental-unscripted-getting-into-ownership-and-practice-management-insights-7069719/dental-practice-finances-the-sba-express-loan-that-funds-350k-in-2-weeks.md
Read the agent-friendly Markdown representation of this episode resource.
Summary
Dental practice finances just got a serious upgrade. Bert Smith, SVP of Healthcare Lending at Live Oak Bank - the #1 SBA lender in America, reveals the brand-new SBA Express Loan: up to $350,000 in working capital, funded in 2-4 weeks, with no real estate collateral required. Whether you're buying a dental practice, navigating a startup that didn't ramp the way you planned, or carrying high-interest debt that's killing your cash flow, this conversation rewrites everything dentists think they know about SBA lending. Hosts Michael Dinsio and Paula Quinn dig into why SBA is NOT just the backup plan when big banks say no — and how the new Express program changes the financing game for dental practice owners. ⏱ KEY MOMENTS: 03:50 - What the SBA Actually Is (And Why Dentists Should Care) 06:45 - Why Dental Practice Financing Is Different From Every Other Industry 11:55 - The SBA 7(a) Loan & 75% Government Guarantee Explained 14:00 - Preferred Lender vs. Generic SBA Bank: Why It Matters 18:00 - The Real Truth About SBA Loans for Buying a Dental Practice 23:10 - NEW: SBA Express Loan — $350K in Working Capital 25:30 - Express Loan Terms: 10-Year, No Prepayment, No Real Estate Lien 26:30 - How Struggling Startups Use Express Loans to Get Back to Profitability 29:20 - 680 FICO Minimum & Express Loan Qualification Rules 30:10 - Why Dental-Specific SBA Lending Beats Credit Unions 💡 WHAT YOU'LL LEARN: ✓ How the SBA 7(a) program lets banks approve deals big banks reject ✓ Why 100% real estate financing is available for existing practice owners ✓ How dental practice owners can consolidate credit card debt with SBA Express ✓ When pro forma underwriting helps new dental practice owners qualify ✓ How to recognize the difference between a "fairway" loan and an SBA opportunity 🔗 R…