100% SBA 7(a) Financing for Dental Office Construction, Relocation, and Growth
Introduction
A fully funded SBA 7(a) loan enabled a growing dental practice to relocate, upgrade, and consolidate operations with zero equity injection.
Cornovus Capital structured $800,000 in 100% SBA 7(a) financing for a board-certified dental specialist to support the relocation, build-out, and expansion of their practice. The transaction covered tenant improvements, working capital, and consolidation of existing equipment debt under one comprehensive loan package—with no out-of-pocket capital from the borrower.
Located in a high-visibility, Class A medical and retail plaza near a major interstate, the new office strengthens patient access, enhances brand visibility, and elevates the clinical experience. Surrounded by complementary providers, national hospitality chains, and strong retail anchors, the new location is strategically positioned for long-term success and growth.
Challenge
Relocating and expanding a dental practice without interrupting care or sacrificing cash flow. While the borrower had a successful and growing practice, the existing office lacked visibility, layout efficiency, and modern appeal. The transition involved:
- Financing construction and tenant improvements at a new facility
- Consolidating real estate and equipment debt into a single loan
- Maintaining operating reserves throughout the relocation
- Securing 100% financing with no equity injection to preserve liquidity
Solution
Strategic SBA 7(a) loan structure covered all project needs under one facility. Cornovus Capital designed a turnkey SBA 7(a) financing package to fund the entire scope of the project:
- $500,000 for construction and tenant improvements
- $100,000 for consolidation of prior equipment loan debt
- $200,000 in working capital to support operating continuity, staffing, and marketing
- 100% loan-to-cost structure, with SBA fees and closing costs included
By leveraging strong operating history and detailed cash flow projections, Cornovus positioned the borrower for approval with no equity injection and ensured a smooth, expedited SBA closing process.
Results
Fully financed relocation and expansion with long-term impact.
- Acquisition and build-out of Class A dental office with no capital injection
- Modernized clinical layout and patient-facing areas
- Improved operational efficiency and revenue potential
- Consolidated existing equipment and mortgage debt into a single SBA 7(a) loan
- Enhanced professional visibility in a high-traffic, upscale medical plaza
- Preserved full ownership and operating control—no equity dilution
About Cornovus Capital
With over 60 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability.
Our expertise spans SBA 7(a) and 504 loans, CMBS and LifeCo financing, private capital solutions, and structured debt strategies. By focusing on certainty of execution and closing assurance, we guide businesses and investors through complex financial landscapes, securing funding tailored to their long-term objectives.
Why Partner with Cornovus Capital?
At Cornovus Capital, we understand that complex transactions require sophisticated financing solutions. Whether repurposing commercial assets, structuring high-leverage debt, or integrating municipal incentives, we deliver capital strategies designed for certainty and efficiency.
What Sets Us Apart?
- Advisory expertise in adaptive reuse, commercial redevelopment, and business acquisitions
We have a strong history of structuring financing for property repositioning, urban infill projects, mixed-use developments, and real estate acquisitions that support business expansion and operational stability. - Innovative capital structuring
Our financing solutions include non-recourse construction loans, Mini-Perm transitions, and TIF-backed capital stacks. - Proven track record across diverse transactions
Over the years, we have facilitated financing for a wide range of businesses, developers, and real estate investors, helping them secure the capital needed to grow and succeed. - End-to-end capital advisory and execution
From initial underwriting to securing financing, we provide comprehensive transaction support to ensure seamless execution and certainty of funding.
Contact Cornovus Capital
For businesses seeking flexible financing solutions to support expansion, acquisition, or working capital needs, Cornovus Capital delivers expertise, efficiency, and certainty.
📧 [email protected]
📞 513-653-4246
🌐 CornovusCapital.com