Dental Practice Services

Solutions tailored to the needs of your practice.

A career in dentistry requires hard work, dedication, and commitment. These values are at the heart of how we work at First Citizens Bank. We understand the unique challenges at every stage of a dental career, and we have the expertise and knowledge to help you along the way. Let's develop the strategy for your financial future together.

Maximize your cash flow

Increase the efficiency of your business office

Manage your business risks1

Enhance your benefits package


We want to help you manage your personal finances now, so you will be well prepared for what’s to come. First Citizens personal checking options are a great way to start.


We offer flexible start-up, buy-in and practice purchase financing. And we know the cash-flow challenges you’ll face and have flexible repayment terms to help.


Keep your practice competitive with the most current tools and technology. Enjoy flexible expansion and real estate financing options and up to 100% dental equipment financing. And retain the best staff with our comprehensive employee benefits.


Prepare now so you can rest easy and enjoy the best life has to offer. When it’s time to sell, we’ll help you determine the value of your practice. And our estate planning and Wealth Management services provide a clear and straightforward path to leaving your legacy.

Starting a new practice

  • Start a new practice with repayment terms up to 10 years
  • Flexible payment schedules, including first year interest only, to give the practice time to get established

Purchasing an existing practice

  • Purchase an existing practice with repayment terms up to 10 years

Buying into an existing practice

  • Become a partner in an existing practice with repayment terms up to 10 years

Practice refinancing

  • Refinance the remaining term on initial practice financing up to 10 years

Leasehold improvements

  • Provide financing for your practice to expand and/or renovate your existing facility

Equipment involvement

  • Up to 100% financing with flexible loan or lease repayment terms up to 10 years

Real estate financing

  • We have a full range of real estate financing options available

What you need to get started

  • Two years of financial statements and tax documentation for all guarantors
  • Overview of experience and education as well as a copy of your license to practice dentistry
  • For practice purchases you will also be asked to provide three years of tax returns for the practice and a copy of the purchase agreement
  • Start-up practices must have a budget and business plan addressing competition, show supporting demographics, and have patient and income growth projections.