Funding Research for Medical & Dental Practices
Plan equipment purchases, practice expansion and working capital around actual collections and repayment dates.
Product-type matches do not verify industry eligibility or predict approval. Review each product and ask the provider about your specific activity.
Providers with relevant product types
See All in the DirectoryFour Things That Change the Math for Medical Practices
General funding advice misses these, and they are usually what decides whether an offer is workable.
Build the forecast from collections, not billed revenue
Start with receivables aging by payer, expected adjustments and the dates you realistically expect cash to arrive. Put payroll, rent, supplies, taxes and owner distributions on a separate payment schedule. A profitable month can still contain a cash deficit. In the 13-week planner, delay collections and test whether the proposed payment leaves your chosen reserve intact. Do not count disputed claims or unapproved financing as available cash.
Compare equipment quotes on the same purchase
Ask the supplier for the cash price and a separate financing quote. Record the deposit, installation, training, maintenance, total scheduled payments and any final purchase option. Compare those terms with an independent offer for the same asset and delivery date. Identify who owns the equipment during the agreement, what happens if it fails, and whether existing liens restrict a new facility. A lower monthly payment can come with a longer obligation or a substantial final payment.
Budget the acquisition beyond the purchase price
A buy-in or acquisition plan should include transaction costs, working capital, transition delays and changes in staffing or collections. Ask the lender which borrower entity, owners and assets support the obligation. SBA’s unconditional-guarantee form instructions generally require an unlimited guarantee from individuals owning 20% or more; that program rule does not establish that your transaction qualifies or that this is the cheapest offer. Review the ownership structure and applicable guarantee requirements before signing.
Keep the application process deliberate
Compare product disclosures and the actual application consent before submitting. Ask who receives the practice’s financial information and whether a broker or partner may contact you. Use an appropriate business contact and secure document channel. The directory groups providers by product type; it does not verify medical-specialty eligibility or predict approval. Request a written offer and a payoff example, then compare it with the practice’s bank, credit union or other available providers.
Where Medical Practices Usually Start
Three research paths, ordered by how often they fit. Every link goes to published data, not an application form.
Equipment Financing
Compare the cash price, down payment, total payments and ownership or buyout terms for the same equipment.
Compare Equipment FinancingLines of Credit
Test whether a draw can bridge a defined collection cycle and be repaid when cash arrives.
Compare Credit LinesSBA & Term Loans
Investigate acquisitions and buildouts with a full project budget, operating cushion and lender-confirmed eligibility.
Compare Term OptionsCompare fees, balance tiers and deposit protection for the practice’s actual operating cash. A savings yield is not a checking-account yield.
Compare Business CheckingModel eligible supplies and software purchases after annual fees and interest. Confirm merchant acceptance and payment timing.
Compare Business CardsSee What Happens After Owners Hit Submit
Scope and sources
Updated October 1, 2026. These are planning questions and editorial scenarios, not findings about typical approval or industry-wide pricing. See the cash planner and each product’s evidence. Program references: SBA microloans and SBA unconditional guarantee instructions.