Medical & Dental Practice Financing
Financing built around insurance reimbursement cycles
Healthcare practices carry strong, predictable revenue but face long reimbursement cycles and expensive equipment. Loanwise Solutions connects providers with lenders that recognize professional credentials and payer mix as underwriting strengths.
Cash flow challenges we see
- Insurance receivables age 45 to 120 days
- Imaging, chairs, and operatory equipment require six-figure outlays
- Buying into or acquiring a practice takes capital before day one
- Student loan balances distort personal debt ratios
What owners use financing for
- Acquire a retiring dentist's practice with up to 90% financing
- Finance CBCT, laser, or imaging equipment over its useful life
- Build out a second location or expand operatories
- Purchase the building your practice occupies
Typical qualifying profile
- Time in business
- Startup practices financeable with credentials and a projection
- Credit
- 680+ FICO typical for SBA practice loans
- Typical size
- $100K–$5M; CRE to $10M+
- Speed
- Equipment in days; SBA acquisition in 30–60 days
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for medical & dental
Business Acquisition Financing
Finance the acquisition of an established business, partner buyout, or franchise.
Equipment Financing
Finance or lease machinery, vehicles, and technology with the equipment itself as collateral.
SBA & Alternative Loans
SBA 7(a), 504, Express, and a wide range of alternative funding programs.
Commercial Real Estate Loans
Purchase, refinance, or build commercial properties with structures matched to your project.
Medical & Dental financing: frequently asked questions
Can I finance a practice acquisition with little money down?
Often yes. SBA 7(a) practice acquisition loans commonly go to 90% of the purchase price, and a seller note can cover part of the remaining equity, leaving a modest cash injection.
Do student loans disqualify me?
No. Healthcare lenders are used to seeing large education balances and weigh practice cash flow and specialty income data more heavily than a raw debt-to-income ratio.
Can a brand-new practice get funding?
Yes. De novo practice programs exist for licensed providers and typically fund build-out, equipment, and several months of working capital in one package.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Restaurants & Hospitality
Equipment, remodel, expansion, and working capital financing for restaurants, bars, cafes, and hotels.
Ready to explore medical & dental financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.