Medical Practice Financing

Who This Is For

• Physicians and specialists opening a new private practice
• Dentists acquiring an existing retiring doctor's practice
• Veterinarians expanding their clinics or adding services
• Healthcare groups needing working capital while awaiting insurance payouts

Common Uses

• Practice acquisition or partner buy-ins
• Purchasing expensive medical or dental equipment
• Working capital to bridge insurance reimbursement delays
• Refinancing existing high-interest practice debt
• Commercial real estate acquisition for clinics

Qualification & Documents

Key Qualification Factors:

• Must hold a valid, active medical/dental/veterinary license
• Strong personal credit history (typically 700+)
• Manageable student loan debt relative to income potential
• Clean background with no significant malpractice issues
• For acquisitions: the target practice must have strong historical cash flow

Documents Needed:

• Copy of professional medical/dental license
• Personal and practice tax returns (last 2-3 years)
• Personal Financial Statement (PFS)
• Curriculum Vitae (CV) or professional resume
• Practice financial statements (YTD P&L and Balance Sheet)

Funding Timeline

Medical practice loans often benefit from streamlined underwriting due to the low default rates in the healthcare sector. Approvals can happen in 48 hours, with funding in 2-4 weeks depending on the loan purpose.

Do you offer 100% financing for practice acquisitions?

How do you handle my student loan debt?

Can I finance the real estate and the practice together?