Bur

What Bur does

Bur Financial, Inc., operating as Bur Capital, is a private specialized commercial lender founded in 2021 and headquartered in Troy, Michigan. The company provides an alternative to traditional banking for dental and medical practices, offering a full suite of financing products: equipment loans (up to $30M, 1-7 year terms, up to 100% financing), DSO group loans (starting at $5M with white-glove service), new practice startup loans (up to $5M), refinance loans (including student debt consolidation), SBA-backed loans, renovation loans, and lines of credit ($1K–$150K). Revenue is generated through interest, origination fees, and servicing fees on the loan portfolio, with pricing customized to borrower profile and loan type.

Bur operates a branch-less digital lending model. The technology stack consists of a self-serve web application portal at app.burcapital.com for loan origination and servicing, supported by an inside sales team available Monday through Friday 8AM-6PM EST and direct Calendly-based scheduling. Distribution relies on inbound digital applications supplemented by a referral ecosystem of seven named dental-industry partners—Uptime Health, Pro Practice Transitions, Connect The Dents, Unified Smiles, Choice Transitions, Professional Transition Services, and DSO CFO—covering practice transitions, equipment service, and DSO financial advisory. The company is privately held with no disclosed institutional funding rounds and a reported headcount of 1-10 employees.

Name

Bur

Legal name

Bur Financial, Inc.

Website

https://burcapital.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Bur Capital is a Troy, Michigan-based specialized commercial lender providing equipment loans, DSO group financing, practice startup loans, refinancing, SBA loans, renovation loans, and lines of credit to dental and medical practices as an alternative to traditional banking.

Ownership category

akta.pro rank

Product category

Commercial Lending / Dental Practice Finance

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Asset-Based Lending (ABL) (FSANADAD), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Dental practice lending
• Commercial equipment financing
• DSO acquisition financing
• Practice startup loans
• Small business lending

Headquarters

HQ city

Troy

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Equipment Loans: Equipment financing for dental practices with loan amounts up to $30,000,000, terms ranging 1-7 years, and up to 100% financing. Revenue generated through interest and origination fees on loans.
2. DSO Group Loans: Large-scale lending for dental service organizations with loans starting at $5M. White glove service for entire financing process. Revenue from interest, origination fees, and servicing fees.
3. New Practice Loans: Startup financing for new dental practices up to $5 million with 100% financing available, quick closings, and low origination fees. Revenue from interest and loan fees.
4. Refinancing: Debt consolidation and refinancing services for existing dental practice loans including student loans. Single payment structure with competitive rates. Revenue from interest rate spreads and refinancing fees.
5. SBA Loans: Government-backed small business loans for dental practices with capped interest rates, flexible uses, and lenient repayment terms. Revenue from interest and SBA guarantee fees.
6. Renovation Loans / Lines of Credit: Working capital access up to $150,000 with single monthly payments. Revenue from interest-only payments on drawn amounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Bur (Bur Financial, Inc., DBA Bur Capital) is a specialty commercial lender that provides dental and medical practices with an alternative to traditional banking. Its core offerings include Equipment Loans, DSO Group Loans, New Practice Loans, Refinance Loans, SBA Loans, Renovation Loans, and Lines of Credit, with loan sizes ranging from $1,000 to $30,000,000 and tailored terms for the dental industry.

Product overview

Bur is a financial services platform offering specialized lending products for dental and medical practices. The core product portfolio includes Equipment Loans, DSO Group Loans, New Practice Loans, Refinance Loans, SBA Loans, Renovation Loans, and Lines of Credit. These products are designed to support dental practice growth through financing solutions including equipment purchases, practice acquisitions, renovations, and debt consolidation. Bur operates as a branch-less lending platform, providing an alternative to traditional banking with competitive rates and streamlined application processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Loans Financing for dental practices to purchase new equipment, offering up to 100% financing, loan amounts up to $30,000,000, terms ranging 1-7 years, and special rates for dental community members.
• DSO Group Loans Large-scale lending for Dental Service Organizations with loans starting at $5M, white-glove service for the entire financing process, available for all dental specialties, with promotional rates and terms.
• New Practice Loans Startup financing for new dental practices, with loans up to $5 million, up to 100% financing available, special promotional rates and terms, quick closings, and low origination fees.
• Refinance Loans Loan refinancing for dental practice owners to consolidate high-interest loans (including student loans), lower monthly payments, remove cosigners, and access cash for projects, with no prepayment penalty.
• SBA Loans Small Business Administration-backed loans for dental practices featuring capped interest rates, low down payments, flexible uses, lenient repayment terms, and up to 90% financing with 1-25 year terms.
• Renovation Loans Financing for dental practice renovation and expansion projects, offering up to 100% financing for projects of any size with access to funds within 48 hours.
• Line of Credit Flexible line of credit providing dental practices near-instant access to working capital from $1,000 to $150,000, with single monthly payments, interest-only payments on drawn amounts, and no prepayment penalties.

Quantifiable outcome

• Average dental school debt for recent grads is around $300,000 (context provided to highlight refinancing need)

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor.

• Uptime HealthminorStrategic or Co-development PartnerPartner company providing services to the dental community. Listed in Bur's trusted partner ecosystem on website homepage.
• Pro Practice TransitionsminorStrategic or Co-development PartnerDental practice transition services company. Listed as trusted partner with logo displayed on Bur's website.
• Connect The DentsminorStrategic or Co-development PartnerDental industry services provider. Included in Bur's partner ecosystem.
• Unified SmilesminorStrategic or Co-development PartnerDental services company in the Bur partner network.
• Choice TransitionsminorStrategic or Co-development PartnerDental practice transition services. Listed as trusted partner on Bur website.
• Professional Transition Services (PTS)minorStrategic or Co-development PartnerPractice transition services provider in Bur's partner ecosystem.
• DSO CFOminorStrategic or Co-development PartnerFinancial services for DSOs. Partner company serving the dental support organization community.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• CareCredit (Synchrony Financial): Largest dedicated patient financing credit card brand in the U.S. and a major practice-side financing provider; its deep dental vertical presence and white-label practice solutions make it a direct comparator to Bur's full-stack practice lending platform.
• Sunbit: BNPL/point-of-sale financing fintech with deep penetration in the dental vertical for both patient and practice financing. Comparable to Bur in target vertical and digital-first lending model, with broader consumer-side financing capability.
• Live Oak Bank: Specialty small-business and SBA lender widely known for originating practice loans — including a significant share of U.S. SBA loans to dental and veterinary practices. Highly comparable to Bur's SBA, equipment, and working-capital products for dental customers.
• PatientFi: Healthcare-focused point-of-sale financing platform with strong dental vertical penetration for both treatment-financing and practice-side lending. Comparable digital-first positioning and vertical specialization to Bur.

Broad incumbents

• U.S. Bank Healthcare Lending: National bank with a dedicated healthcare practice lending franchise (including dental) covering equipment financing, working capital, and SBA programs — direct head-to-head competition with Bur's equipment and SBA products.
• Wells Fargo Practice Finance: Major bank dental and healthcare practice financing program offering start-up, acquisition, equipment, and refinance loans. Comparable to Bur's full-product dental offering, with broader cross-sell into mainstream banking.
• Bank of America Practice Solutions: Legacy bank-owned practice finance franchise providing dental practice start-up, acquisition, and refinance loans. Competes head-to-head with Bur for SBA and practice-acquisition loan demand from dental practice owners.

Others

• DSO CFO: Financial services/finance leadership provider for dental support organizations and also listed as a Bur trusted partner. Adjacent to Bur's enterprise DSO lending book, sharing the same high-touch DSO customer segment.
• Pro Practice Transitions: Dental practice brokerage and transition services firm listed as one of Bur's trusted homepage partners. Closely adjacent to Bur's New Practice Loans and DSO acquisition financing use cases.

Emerging players

• BHG Financial: Specialty small-business and practice lender offering working capital, SBA, and term loans to professionals including healthcare practitioners. Comparable scale and product set to Bur's SMB-side dental offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/BurCapital
• LinkedInlinkedin.com/company/bur

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bur