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Medical and Dental Practice Financing
Healthcare practices carry significant equipment and build-out costs while waiting on insurance reimbursements that can take weeks. Whether you're opening a new practice, buying into an existing one, or upgrading imaging equipment, financing can support growth without disrupting patient care.
Common cash flow and capital challenges
- Insurance reimbursement delays
- Expensive diagnostic and treatment equipment
- Office build-outs with specialized requirements
- Practice acquisition and partner buy-ins
Financing that may suit this industry
Equipment Financing
For imaging, dental chairs, lasers, and other clinical equipment.
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Business Acquisition Financing
Supports buying an existing practice or a partner's share.
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SBA Financing
May fit practice acquisitions or real estate for eligible practices.
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Business Lines of Credit
Covers the gap while insurance reimbursements process.
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Practical use cases
- Upgrading to digital imaging
- Purchasing a retiring practitioner's practice
- Building out a new office
Eligibility considerations
- Professional licensing is typically verified
- Practice revenue and payer mix may be reviewed
- For acquisitions, the target practice's financials matter
Typical documentation
- Professional license
- Practice financial statements and tax returns
- Equipment quotes
- Purchase agreement (for acquisitions)
- Business bank statements
Cost and repayment considerations
- Match equipment financing to the equipment's expected useful life
- Acquisition financing often involves longer review and closing costs
- Keep reimbursement timing in mind when planning repayment
Alternatives and trade-offs
Equipment leasing
Useful for technology that's upgraded frequently.
Seller financing
In practice acquisitions, the selling practitioner may finance part of the price.
Frequently asked questions
Can I finance a practice acquisition?
Yes, acquisition financing and SBA programs are commonly used. Both buyer and practice are reviewed in detail.
Related guides
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LendNova LLC is a referral partner, not a lender. Availability, eligibility, rates, and terms are determined solely by independent funding sources. This page is general information, not financial advice.