Medical Practice Financing
Medical practices—from dental offices and veterinary clinics to physician groups and urgent care centers—need capital for equipment, working capital, practice acquisition, and facility improvements. Banks often restrict healthcare lending due to industry risk, reimbursement cycles, or credit. When traditional sources decline, alternative lenders may evaluate deals based on revenue, equipment collateral, and structure.
Healthcare practices are capital-intensive. Dentists need chairs and imaging; veterinarians need surgical equipment; physicians need diagnostic tools and EHR systems. Banks often decline medical practice lending due to industry exposure, reimbursement delays, or credit. Medical equipment vendors' in-house programs may decline buyers who do not fit. Alternative financing fills a gap for deals that may qualify depending on structure, revenue, and collateral.
Brokers, medical equipment vendors, and advisors routinely encounter healthcare clients who were declined elsewhere. The referral partner network evaluates opportunities that may qualify depending on structure, revenue, collateral, and lender guidelines. No approval is promised—each deal is reviewed on its merits. Send declined business loans for evaluation.
Situations where medical practice financing is often explored:
Medical practice financing may be equipment-backed, revenue-based, or structured for working capital. The equipment often serves as collateral, which may allow lenders to consider deals that unsecured programs would decline. A broker or vendor with a signed referral agreement submits the deal. The financing partner evaluates and may match it to lenders with healthcare programs. The referral partner introduces the opportunity; the financing partner determines fit.
Deals are reviewed based on equipment type, value, revenue, time in business, and credit. What one lender declines, another may consider. Vendors can learn how vendors get paid for referring financing when deals close. Compensation is revenue share on successful placement. Equipment financing structures may apply when medical equipment secures the transaction.
Dental equipment declined by vendor. A dentist needs new chairs and imaging; the vendor's program declined due to credit. The vendor refers the deal to a financing partner. An alternative lender with equipment-backed programs may consider the deal depending on structure and collateral.
Veterinary clinic expansion declined by bank. A vet clinic needs surgical equipment and facility upgrades. The bank declined due to industry exposure. The clinic's broker submits to a referral partner network. Equipment financing may create options when machinery secures the transaction.
Working capital for physician group. A multi-physician practice has strong revenue but reimbursement delays create cash flow gaps. The bank declined. The practice's CPA refers to a financing partner. Revenue-based structures may create options. Send declined business loans for review. Review the referral agreement before submitting.
Medical practices use alternative financing when banks or vendor programs decline. Brokers use it when healthcare deals fall outside their primary programs. Medical and dental equipment vendors use it when in-house financing says no—and they can earn revenue share when deals close. The common thread: a need for evaluation beyond the first lender's box.
This is not a guarantee. It is an additional path to explore. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower, practice type, equipment details, and request by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Medical practices may need equipment financing for diagnostic and treatment equipment, working capital for payroll and supplies, practice acquisition financing, or facility improvements. Approval depends on deal structure, revenue, and lender guidelines.
Banks may decline due to industry risk, reimbursement delays, regulatory complexity, or credit. Alternative lenders may evaluate medical practice deals differently based on revenue, equipment collateral, and structure.
Brokers with a signed referral agreement can submit medical practice deals for evaluation. The financing partner reviews and may match to lenders with healthcare programs. Compensation is typically revenue share when a deal closes.
Yes. Medical equipment vendors who refer buyers declined by in-house programs may receive revenue share when deals close. Learn more about vendor referral compensation.
Referral partners can send declined business loans for evaluation. Review the referral agreement before submitting.
Credit requirements vary by lender. Equipment-backed or revenue-based structures may consider borrowers with lower credit when other factors are strong. Approval is not guaranteed—each deal is evaluated on its merits.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
