Deerbank Capital Group, a small-business funding service in Conway, South Carolina, explains dental office loans for Horry County dentists: equipment, operatory build-outs, buying a practice and covering payroll, with county counts from the Census Bureau. A funding partner reviews each practice's request and decides.
At a glance
- Offices of dentists, Horry County, SC
95 employer establishments (CBP 2023)
- Paid employees
805 (CBP 2023)
- Dental practices under five employees
30.5% (CBP 2023)
Dental Practices in Horry County, SC, 2023
| Industry (NAICS) | Employer establishments | Paid employees | Annual payroll | Under 5 employees | ZIP 29526 |
|---|---|---|---|---|---|
| Offices of dentists (6212) | 95 | 805 | $56.9 million | 30.5% | 17 |
Dividing payroll by paid employees gives about $70,691 per dental-practice employee in 2023, against $42,014 across all Horry County, SC employers (our arithmetic; a simple division that counts part-time and full-time workers alike, not an average wage). 30.5% of practices had fewer than five employees. Nonemployer Statistics, a separate Census program, counted 42 dental offices without paid employees in Horry County, SC in 2024, with $3.8 million in receipts; those owners are not part of the employer counts above.
Dental Practice Loans: A Conway, SC Primer
Dental office loans and dental practice loans in Conway, SC cover three kinds of cost: equipment, the space and the practice itself. Horry County had 95 offices of dentists with 805 paid employees in 2023 (County Business Patterns). Deerbank Capital Group matches your request with funding partners, who review it and make their own decision.
Dental Equipment Loans for Conway, SC Firms
Dental equipment loans fund chairs, delivery units, digital imaging, cone-beam scanners, sterilization and CAD/CAM milling units. The quote is the first document; the partner holds a lien on the equipment until it is paid off. Owning a chair outright versus leasing it is laid out on the equipment financing page.
Dental Business Loans Across Horry County, SC
Dental business loans for a practice's general needs, such as a marketing push, new hires or a software change, are read from collections and the practice's bank statements. Working capital fits payroll and supplies; a credit line fits uneven months.
Dental Clinic Loans: A Conway, SC Primer
Dental clinic loans for a new operatory or a larger space combine a build-out loan with equipment financing. A partner wants the contractor's bid, the equipment quotes, the lease and a projection of the extra patients the space can see.
Dentist Business Loans: A Conway, SC Primer
Dentist business loans for a practice purchase are read from the selling dentist's records: three years of returns, production and collection reports, the patient count and the lease. A term loan is the product built for a practice purchase.
Dental Clinic Financing in Horry County, SC: What Changes Locally
In Horry County, SC a new dental location needs the same local steps as any business: zoning for medical use, a building permit for the build-out and a business license from the city or county office for the address. 17 dental practices had a ZIP 29526 address in 2023 (ZIP Code Business Patterns), so a Conway, SC mailing address alone does not settle which office applies.
Dental Office Financing: Questions Conway, SC Owners Ask
- Is the loan secured by the equipment, the practice or a personal guarantee?
- Does the payment schedule include an interest-only period during the build-out?
- Is there a prepayment fee if the practice refinances later?
- Does the loan include soft costs like installation and training?
Put the same questions to every lender so the answers can be compared.
Pricing a Dental Chair and Imaging Package
Illustration only, invented figures: a practice finances two chairs and an imaging unit for $96,000. At an 8.5% annual rate over 84 months in this invented example, the payment is about $1,520 a month and the payments total about $127,705 (our arithmetic).
Payroll and Supplies While Insurance Pays Out
Dental practices paid $56.9 million in wages in Horry County in 2023 (County Business Patterns). Claims paid by insurers arrive after the visit, so a fuller schedule can leave payroll due before collections catch up.
A credit line or working capital covers that gap. County-wide figures are on the Conway, SC page, and medical practices and other health trades are on the industries page.
Production and Collection Reports a Dental Partner Reads
- Production and collection reports for the last year or more.
- Business tax returns and bank statements.
- Accounts receivable aging by payer.
- Equipment quotes and the build-out bid.
- The lease and its remaining term.
By Deerbank Capital Group ยท Updated
