Practice Start-Up Loans
Building from scratch means you control everything from location, layout, technology, team, and culture. It also means carrying full overhead before your first patient is seated. Our start-up programs are built for that gap.
Funded Through the Ramp, Not Just the Build-Out
Everything in One Facility
Leasehold improvements, operatories and chairs, imaging and technology, practice management software, licensing and legal, initial marketing, plus the working capital reserve that carries payroll while collections catch up. Financed together, drawn as the project progresses.
Payments Matched to a Revenue Curve
New practices reach mature production over eighteen to twenty-four months, not on opening day. Where the lender allows, we structure interest-only and graduated payment periods so your obligation ramps at roughly the pace your collections do.
Lenders Who Underwrite New Practices
Conventional underwriting asks for trailing revenue you don't have yet. We work with SBA and specialty healthcare lenders who evaluate the projection, the demographics, the payer mix and the doctor, instead of a tax return that doesn't exist.
The First Twenty-Four Months
A start-up in 2026 routinely runs past $550,000 before it opens, and considerably more where the build-out is specialized. Fixed overhead arrives immediately and in full. You owe rent, payroll, supplies and lab fees, while revenue builds slowly: early production often lands at thirty to sixty percent of mature levels, insurance reimbursements settle thirty to ninety days out, denials and underpayments tie up cash in aging A/R, and self-pay collections lag against rising deductibles. Clinically strong, financially strained is the default condition of a new practice, and it is where most owners get hurt.
The mistake we see most often isn't borrowing too much. It's borrowing too little, on too short a term, then discovering in month nine that the working capital reserve is gone and the only capital left is expensive. We size the facility to the whole ramp, not the build-out invoice, and we tell you plainly when a projection won't support the debt. If that means recommending you wait a quarter, adjust the site, or restructure the equipment list, we'll say so before you sign a lease you can't unwind.