05 · Growth capital
Practice Loans
Lender relationships built specifically around healthcare practices, with terms that reflect how practices actually cash flow.
The problem
General-purpose lenders don't read practice financials
Traditional underwriting undervalues goodwill and collections-based revenue, which means lower approvals and personal collateral requests.
- Slow, generic underwriting timelines
- Undervalued practice goodwill
- Terms that ignore ramp-up periods
The solution
Financing for acquisition, expansion, equipment and working capital.
- Acquisition and partnership buy-in
- De novo build-outs
- Equipment and technology
- Working capital lines
- Debt consolidation and refinance
- Healthcare-specific underwriting
Plans
Plans tailored to your needs
Start with the essentials and add payroll or people support whenever your practice is ready.
Core Care
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
Core Care + Payroll
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- Payroll
Core Care + People
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- HR and compliance
Complete Care
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- Payroll
- HR and compliance
Benefits
Why practices choose our practice loans
Up to 100% financing
Acquisition and build-out packages including working capital.
Healthcare underwriting
Lenders who understand collections, production and provider mix.
Deferred payment options
Interest-only ramp periods for de novo and expansion projects.
Competitive fixed rates
Multiple term sheets compared side by side.
One application
Submit once, we shop the file for you.
Close-out support
Coordination with your CPA, attorney and broker.
How it works
Three steps, no disruption
- 01
Scope the project
We define the use of funds and target structure.
- 02
Compare offers
You review term sheets in one clean comparison.
- 03
Close
We coordinate documents and funding through close.
Features
What's included
Term loans
5–10 year amortizations for acquisition and expansion.
Equipment finance
Technology and operatory equipment with flexible structures.
Working capital
Revolving lines for seasonality and payroll smoothing.
One
Application, multiple term sheets
Soft pull
Scenario review to get started
$0
Cost to compare your options
What this means for you
Capital on terms that match how a practice really cash flows.
FAQ
Questions about this service
The Savings Checkup
Find out what your practice is really paying.
A clinician-to-clinician review of your payment processing, patient financing, payroll and retirement plan. Free, confidential, and there is nothing to switch unless the numbers say so.
01You send statements
Recent statements for whichever services you want looked at. Nothing else required.
02We read the fine print
A line-by-line review of what your practice actually pays today — rates, fees and all.
03You get a straight answer
Current cost, proposed cost, and the difference in writing. Keep what you have if it wins.
No cost, no obligation, no long-term contract to find out.