Medical & dental
Practices carry two structural cash-flow strains: slow insurance reimbursement and the high cost of clinical equipment.
How the money actually moves.
Medical and dental practices deliver care today and get paid by insurers weeks later, so accounts receivable is always stretched. On top of that, the equipment, from chairs and imaging to lab gear, is expensive and periodically needs replacing. Both strains are predictable, which is exactly why lenders treat established practices as strong credits.
Because practices tend to have stable, documented revenue and professional owners with solid personal credit, they usually qualify for the cheapest tiers of financing, so there is rarely a reason to reach for high-cost cash.
Slow insurance reimbursement, expensive clinical equipment, and practice build-outs.
The products built for this cash-flow shape.
Ranked best-first for how this industry earns and spends. Each links to the full breakdown.
SBA loans
SBA 7(a) and 504 fund practice acquisitions, build-outs, and owner-occupied real estate at the lowest available cost and longest terms.
Term loans & lines of credit
Equipment financing covers imaging and operatory upgrades, and a line of credit bridges the reimbursement lag between service and payment.
Business credit & monitoring
A strong business credit profile keeps a well-run practice in the lowest-rate tier for every product it touches.
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