Orchardstone sends the request to funding partners, and a partner reviews the office’s records before it makes any offer.
Curing lights, scalers and sterilization cassettes are movable and can share one equipment request. A new hire’s first months of pay fit a credit line or a short term loan instead.
At a glance
- Offices of dentists with fewer than five employees, Kings County, CA
8 of 37, 21.6% (CBP 2023)
- Paid employees at offices of dentists, Kings County, CA
312 (CBP 2023, March pay period)
- Annual payroll, offices of dentists, Kings County, CA
$15.1 million (CBP 2023)
- Offices of dentists, ZIP 93230
25 employer establishments (ZBP 2023)
Curing Lights, Ultrasonic Scalers and Sterilization Cassettes on One Hanford, CA Equipment Request
An invented general dentistry office in Hanford, CA is replacing the small equipment that wears out first. The curing lights in the hygiene rooms have dimmed, one scaler is out for repair more than it is in use, and the sterilization area still wraps loose instruments instead of using cassettes. None of it is large, but bought at once it is a sizable invoice.
| Item | Invented quote |
|---|---|
| LED curing lights for each hygiene room | $5,140 |
| Two ultrasonic scalers | $9,885 |
| Sterilization cassettes and racks | $4,250 |
| Request total | $19,275 |
With equipment financing over 48 months at a rate of 11.92% in this invented case, the $19,275 becomes $506.83 a month. The invented payments come to $24,327.84 over the full term, so the invented interest is $5,052.84.
A partner may finance the whole list or only the scalers, and it may ask for the supplier quote with model numbers. Handheld and countertop pieces like these move with the practice, which is why they can be treated as equipment.
A Treatment Coordinator’s First Paychecks at a Kings County, CA Dental Practice
A treatment coordinator walks patients through their treatment plans and the insurance estimates attached to them. When a practice adds the role, it pays the new hire from the first week, while the accepted treatment the role is meant to bring in shows up on the schedule later.
In an invented case, the practice draws $9,530 on a line of credit to carry the coordinator’s first paychecks and repays it over 3 months at an invented rate of 15.46%. The invented monthly payment is $3,258.87, the invented total is $9,776.61, and $246.61 of the invented total is interest.
If the role takes longer to be carried by the added visits, the line stays open for the next draw. A fixed term loan would have locked the practice into one amount from the start.
Dental Benefit Claims and the Weeks Between Treatment and Payment
Patients pay their share at the visit, but the dental benefit plan pays its share after the claim is processed. A practice that does more crowns, root canals and other plan-covered work carries more of its revenue in unpaid claims at any given time.
That gap is what a short term loan or a credit line can bridge. A partner may ask for a claims aging report by plan, because a practice with most claims under a month old looks different from one with claims sitting for months.
The practice management system can print that report, along with production by provider and collections by month. Pulling them before a request saves a round of follow-up questions.
Patient financing plans, where a third party pays the practice up front for a large treatment plan, move part of that wait off the office’s books. A partner may ask what share of production runs through them.
Kings County, CA Dental Offices by Size: Few Run With Under Five Employees
Census County Business Patterns counts 37 offices of dentists with employees in Kings County, CA for 2023. A small minority, 8 offices or 21.6%, had a staff under five. Between them, the 37 had 312 paid employees and a yearly payroll of $15.1 million.
Twenty-five dental offices carried a ZIP 93230 address in the 2023 ZIP Code Business Patterns.
Nonemployer statistics, a separate Census series, listed 6 offices of dentists with no paid employees in Kings County, CA for 2024. With hygienists, assistants and front-desk staff on most dental payrolls, staff pay is a fixed cost that a funding partner may look at closely.
Put the other way, 29 of the 37 county offices with employees had five or more on staff. For a request, that means a payroll gap at a dental office can be as large as an equipment purchase, and a partner may treat it with the same care.
Records a Funding Partner May Want From a Hanford, CA Dental Office
- Production and collections by month from the practice management system
- A claims aging report by dental benefit plan
- Business bank statements for recent months
- The supplier quote for any equipment in the request
A partner reviewing a Hanford, CA dental office may ask for some of these, or for production figures in another format. Related trades, from physician offices to therapy practices, are on the trade pages.
By Orchardstone Lenders · Updated
