2365: Startup or Acquisition? A Banker's Take on What Works Best

On today's episode, Dr. Mark Costes sits down with Danny Cammarosano, Regional Director at Provide, a division of Fifth Third Bank. With over 20 years of experience in banking and healthcare lending, Danny offers an in-depth look into the world of dental financing—from first-time startup loans to multi-practice acquisitions. They discuss what lenders really look for when evaluating a borrower, the myths around student debt, why liquidity matters more than your credit score, and how practice-specific metrics like EBITDA and operatory count influence loan approvals.

Danny also breaks down how Provide supports dentists throughout the ownership journey, why the default rate skyrockets after three practices, and what key differences to look for when comparing multiple term sheets. Whether you're a D4, new associate, or seasoned owner looking to scale, this episode is packed with insider advice and practical takeaways.

Be sure to check out the full episode from the Dentalpreneur Podcast!

EPISODE RESOURCES

• www.getprovide.com
• https://www.truedentalsuccess.com
• Dental Success Network
• Subscribe to The Dentalpreneur Podcast