The economy is shifting, interest rates are holding steady, and dentists everywhere are asking the same question. Is now the right time to grow? In this episode of the Art of Dental Finance and Management podcast, Art Wiederman sits down with Dan Larkin of Bank of America to break down exactly what is happening in the market and what it means for your practice.

Dan shares insights on inflation trends, unemployment rates, consumer spending, and how those factors influence lending for dental professionals. While headlines may feel uncertain, the dental industry remains strong, with steady growth and historically low loan default rates. Interest rates are currently in the mid five percent range, and Dan explains how fixed rate dental loans are influenced more by the 10 year Treasury than short term Fed changes. The conversation also dives into what banks look for when approving loans, including credit scores, debt levels, and debt service coverage ratios. For dentists considering a startup, acquisition, expansion, or real estate purchase, preparation is key. Strong personal credit, manageable debt, clean financial records, and an early conversation with a dental specific lender can make all the difference. The message is clear. Capital is available, opportunities are strong, and with the right advisory team in place, 2026 could be a powerful year for growth in dentistry.

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Looking for financial guidance from a team that truly understands dentistry? Bank of America Practice Solutions has spent over 25 years helping dentists nationwide achieve their goals with customized financing and expert support, whether you are just getting started or growing an established practice.

Email dg.connect@bofa.com to connect with a specialist and get personalized financial solutions.

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Stop feeling overwhelmed by the numbers. ADCPA member firms specialize exclusively in serving dentists to help you achieve financial success. Gain a strategic partner who understands industry benchmarks and overhead management so you can focus on clinical excellence.

Find your expert: Visit https://adcpa.org/ to find a trusted dental CPA near you. Your numbers should work as hard as you do.

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