Industry Lending
Healthcare Practice Business Loans
Capital for physicians, dental groups, veterinary, and outpatient facilities.
$1.2M
Avg practice acquisition
1.65x
Median DSCR
Dental 41%, Vet 22%, Other 37%
Specialty mix
How we underwrite
Healthcare practices — dental, veterinary, optometry, physical therapy, urgent care — are some of the cleanest credits in commercial lending: recurring patient revenue, insurance-backed receivables, and durable demand. Inflection Financing underwrites against the practice's collection ratio, payor mix, and provider productivity rather than the boilerplate metrics a generic bank applies to all SMBs.
Typical loan sizes
$250,000 to $5,000,000
Common uses
- →Practice acquisition or partner buy-in
- →De novo build-out for new providers
- →Equipment financing (CBCT, lasers, imaging, dental chairs)
- →Working capital for insurance receivables cycle
- →Commercial real estate for owner-occupied clinics
Regulatory & underwriting notes
Healthcare SBA loans require professional licensure verification and corporate-practice-of-medicine analysis in regulated states. Inflection Financing's underwriting desk specializes in healthcare credit and handles these in-house.
Recommended products for healthcare practices
Other industries
Financing for healthcare practices.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.