Debt Refinancing and Consolidation

Don’t let your existing debt hold your practice back from success. Refinance or consolidate to help your practice can remain competitive.

As you operate your practice, manage the day-to-day operations, and focus on patient care, you, like many dentists, may see your debts and bills rising year after year. Operating a dental practice often requires the need to acquire new equipment and technology, or make changes to your office that require additional funding. With multiple loans and expenses for your practice, it is common to get lost in repayment cycles, and you may be paying more than you need to. Because of this, many dental practices are ideal candidates for debt refinancing* and debt consolidation.*

Debt refinancing can help you save thousands of dollars throughout a loans’ lifetime, lower your monthly payment, and open up cash-flow for other practice needs. Consolidating business debt with a lower-interest business loan can boost your cash flow by lowering your monthly payment, consolidate multiple debts into a single monthly payment, and shorten your repayment period.

Henry Schein Financial Services can partner with your practice to provide a customized strategy to help you reduce practice debt, open up cash flow, and help you achieve your practice goals.

 Key Benefits:

  • Consolidate multiple debts into one monthly payment
  • Save money by lowering your interest rate
  • Eliminate debt faster by paying down your principle
  • Provide you with more flexibility for other practice needs
  • Help plan for future practice expansion and growth

Core Features:

  • Flexible Payment Schedule
  • Fixed, Competitive Interest Rates
  • Customized Repayment Programs
  • Simple Application Process

Debt Refinancing vs Debt Consolidation – What’s the difference? What’s right for me?

Debt Refinancing

Refinancing is the process of optimizing an existing debt balance by replacing it with debt that has more favorable terms (usually lower interest rates). It is an ideal solution if a practice has a balance on a single or only a few accounts with high-interest rates. If a practice has multiple debts, debt consolidation would be a better financial tool to pay down multiple debts.

Debt Consolidation

Consolidating debt is the process of combining multiple debts from credit cards, high-interest loans, and other bills, into one monthly payment. A debt consolidation solution may lower your interest rate, helping you to save money on interest while lowering the monthly amount you may owe, allowing you to pay down debt faster.


Have a question, or ready to get started?
We are here to help – contact us today to schedule a complimentary consultation with a Henry Schein Financing Representative.
Our consultations feature no-obligation and are completely confidential.


Henry Schein Financial Services

At Henry Schein Financial Services, we understand the challenges dentists face when making business decisions and obtaining financial resources for their practice. We will partner with your practice to provide a customized strategy to operate your practice more efficiently, acquire the financial resources needed, and help you achieve practice and business goals.

Additional services that you may be interested in:
Project & Practice Financing
Working Capital Loans
Equipment and Technology Financing & Leasing
Merchandise Financing


* All transactions are subject to the satisfaction of underwriting guidelines, credit approval by third party lenders, and documentation requirements, and not all applicants will qualify. Certain other restrictions and additional terms and conditions apply.

©2021 Henry Schein, Inc. Neither Henry Schein, Inc. nor Henry Schein Financial Services provides financial advice. Please consult your financial advisor. Neither Henry Schein, Inc. nor Henry Schein Financial Services is a bank and neither represents itself as such, nor conducts banking activities. Henry Schein Financial Services may receive a marketing fee from the vendor for products/services purchased.