Industries
Healthcare receivables are gold. Get priced like it.
Lenders compete hard for medical and dental files because the receivables are insurance-backed and default rates are the lowest in small business lending. That competition should show up in your rate. Our job is making sure it does.
What we fund
| Need | Structure we usually use | Why |
|---|---|---|
| Practice acquisition or partner buy-in | SBA 7(a) or conventional practice loan | Lenders finance goodwill in healthcare at up to 100% LTV |
| Imaging, chairs, lasers, CBCT | Equipment financing, 5–7 yr | Asset-secured; works even for associates going solo |
| Build-out or relocation | Term loan or SBA | Sized against post-move production projections |
| Consolidating practice debt | Equity-backed or conventional refi | One note, longer term, usually 200+ bps better |
Buying a practice
Healthcare is the one corner of small business lending where 100% financing of an acquisition is normal, including working capital for the transition. What kills these deals is timing, not approval: sellers want certainty and speed. A pre-underwritten buyer file (your production history, licensure, personal financials packaged before you make an offer) is the strongest negotiating position you can hold.
Equipment: finance it, don't drain the operating account
A $190K CBCT machine financed at 8.5% over six years costs roughly $3,400 a month against the new revenue it produces from day one. Practices that pay cash for equipment routinely end up borrowing working capital six months later at worse pricing. Keep the cash; finance the asset.
Associates going independent
Two-plus years of production history as an associate substitutes for time in business with most healthcare lenders. If you're 12–18 months from making the jump, talk to us now; the prep work is free and the file gets stronger every quarter you wait deliberately instead of accidentally.