Investment Grade Practices: A Dentist Podcast
Investment Grade Practices: A Dentist Podcast
Investment Grade PracticesTM are designed to give you the lifestyle you enjoy today, while building an asset for tomorrow. Victoria Peterson, SsD helps dentists build practices that they love today while building value to secure their future.
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What Dentists Need Before Buying a Practice (E.174)

What Dentists Need Before Buying a Practice (E.174)

10/13/2026 3:25:00 PM   |   Comments: 0   |   Views: 114

“Cash is king, and that’s really going to help you get the best loans out there that are available.”- Johnette Green

Episode Overview


You found the right dental practice. The numbers look promising. You’re ready to become an owner.
But are you financially prepared to make the purchase?


Johnette Green brings more than 20 years of banking and lending experience to a conversation about what makes dental practice financing possible. Victoria and Johnette walk through the financial decisions dentists face throughout their careers, from purchasing their first practice to financing expansion and preparing a practice for sale.

They discuss student debt, personal liquidity, credit, practice cash flow, and why a strong banking relationship should extend beyond the initial loan.


What This Episode Reveals
  • Why student debt does not automatically prevent dentists from qualifying for practice financing
  • How cash flow and the ability to maintain production influence a practice’s financeability
  • Why lenders look beyond the purchase price when evaluating ownership and expansion opportunities
What You’ll Learn
  • When to start preparing financially for your first practice purchase
  • Why Johnette recommends targeting approximately 10% liquidity relative to the business loan amount
  • How to position your practice for future financing, growth, or an eventual sale
If This Sounds Familiar
  • You’re an associate who wants to own a practice but doesn’t know whether you’re financially ready
  • You own a practice and want to expand, add operatories, or invest in new technology
  • You’re preparing to sell and wondering whether a buyer can qualify to purchase your practice
The opportunity may be there. The question is whether your finances and your practice are ready for it.

Next Steps

Start the conversation with a lender before you need financing.

Johnette recommends beginning approximately a year before your anticipated purchase, reviewing your personal financial statement, understanding your liquidity, and avoiding unnecessary debt that could limit your options.

Connect with Johnette Green
Provide, powered by Fifth Third Bank


Email: johnette@getprovide.com
Phone: 214-620-9577


Disclaimer

All opinions expressed by the Provide employee participant are solely their current opinions and do not reflect the opinions of Provide, its affiliates, or Fifth Third Bank. The Provide employee participant’s opinions are based on information they consider reliable, but neither Provide, its affiliates, nor Fifth Third Bank warrants their completeness or accuracy or should they be relied upon as such.

This content is for informational purposes only and does not constitute the rendering of legal, accounting, tax, investment advice, or other professional services by Provide, its affiliates, or Fifth Third Bank. Please consult with appropriate professionals related to your individual circumstances.

What Dentists Need Before Buying a Practice (E.174)
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