The Dentalpreneur Podcast w/ Dr. Mark Costes 2422: The Truth About Dental Loans and What Banks Really Want
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Jan 13, 2026 In this engaging discussion, Steve Steinbrenner, a seasoned dental finance executive with 30 years of experience, shares insights on navigating the landscape of dental loans. He reveals how current economic conditions are surfacing new opportunities for practice owners, and why aligning with the right advisors can make all the difference. They explore effective strategies for expansions and the significance of adapting to interest rate trends. Steve also emphasizes the importance of choosing a supportive lender for long-term growth in dentistry.
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Independent Practices Get Focused Financing
- Provide champions independent practice owners and blends fintech speed with traditional bank stability.
- Fifth Third Bank acquired Provide to scale dental lending while keeping fast, dentist-friendly processes.
Ask About Loan Types And 'Jump Start' Options
- Consider Provide's SBA and conventional loans for startups, acquisitions, real estate, and ground-up builds.
- Ask lenders about creative products like the 'jump start' loan for declining practices with turnaround buyers.
Buying Declining Practices To Accelerate Growth
- Mark Costes recalled buying declining practices and folding them into his operations to accelerate growth.
- He used acquisitions to gain staff, patients, and capacity instead of building from scratch.
