Episode Details

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

🔗 RESOURCES & LINKS:
🏦 Live Oak Bank (Healthcare Lending): https://www.liveoakbank.com
🦷 Next Level Consultants — Dental Practice Coaching & Consulting: https://nxlevelconsultants.com
🎙 Dental Unscripted Podcast: https://dentalunscripted.com
📲 Instagram: @dentalunscripted

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PRODUCTION INFORMATION:
© 2026 Dental Unscripted. All rights reserved.
The content provided in this video is for informational purposes only and does not constitute legal, financial, or tax advice. Always consult with a qualified professional regarding your specific situation.