What is medical practice financing?
Medical practice financing is lending built around healthcare providers. Lenders that specialize in the field look at practice cash flow, payer mix and provider production, which can mean better leverage and terms than a general business loan.
What we finance for medical and dental practices
What we finance
- Practice acquisitions and partner buyouts
- Additional locations
- Build-outs and renovations
- Equipment and technology
- Owner-occupied real estate, often through SBA
Who we work with
- Physicians and physician groups
- Dentists and dental groups
- Specialty practices
Planning an exit
- Growth structured with an eventual sale in mind
- Support through a DSO or group sale
- CPA-led accounting and tax planning
What to have ready
- Three years of practice tax returns and P&Ls
- Production reports
- Personal financial statement
- LOI or purchase agreement for acquisitions
Dental practice acquisitions and buyouts
Buying an existing dental practice or buying out a partner is usually financed on the practice's historical cash flow and production, alongside your clinical experience. Healthcare-focused lenders often understand these numbers better than general business lenders.
Our CPA-led review of practice tax returns, P&Ls and production reports helps present the acquisition the way those lenders evaluate it.
Front Street Advisors and Dustin Shively, an associate of theirs, were the catalysts behind my seamless transition from owning a single dental practice to multiple, eventually leading to a high-value sale to a Dental Support Organization (DSO).
From first review to closing
Tell us about it
A short intake or a call. Progress saves as you go.
CPA-led underwriting
We analyze the numbers, structure and documents before anything moves forward.
Term sheet or placement
On select investor programs, qualifying deals receive a term sheet from us. Other financing is structured and presented to sources in our network.
Approval and closing
Final approval, appraisal, title and insurance through funding. Steps vary by program.
Practice financing FAQs
How much of a practice acquisition can be financed?+
Healthcare-focused lenders often offer higher leverage than general business lenders. What is available depends on the practice's cash flow and your experience. We will show you what is realistic for your deal.
Can you help me grow toward a sale?+
Yes. We have financed multi-practice growth that led to a sale to a dental support organization, and our accounting and tax services help plan for the tax side of an exit.