How it worksAbout AndrewCommon SBA Q&AFor brokers & CPAs
Financing pathsMy deal is stuck or declinedGet a free second opinionSBA vs. conventionalBuy a businessCommercial real estateFranchise financingMedical & dental practicesSelf-storage & hospitality
Planning toolsAll planning tools
Model the deal01Business acquisition03Owner-used real estate05Cash injection06Scenario comparison09Payment stress test
Prepare the project027(a) vs. 50404Loan readiness07Application timeline08Document checklist10LOI financing preflight
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SBA financing for medical and dental practices

Build the practice.
Protect the runway.

Organize a practice acquisition, startup, partner buyout, buildout, equipment purchase, or owner-used real estate project around the complete financial picture.

Get my free SBA game plan Check program direction
For physicians, dentists, veterinarians, and other licensed practices

What deserves attention

Finance the complete project—not a shorthand version.

01

Match the structure to the project

A practice acquisition, startup, real-estate purchase, and equipment project can each create a different program and amortization conversation.

02

Plan for the revenue ramp

Credentialing, patient growth, collections, staffing, and opening delays can influence working-capital needs.

03

Tell the professional story

Licensure, clinical experience, ownership requirements, management capacity, and the transition plan belong alongside the numbers.

Prepare the conversation

Start organizing the evidence.

These are practical starting items, not a complete lender document request. The exact list changes with the borrower, project, lender, and current program requirements.

Get my project checklist
  1. 01Practice financials or a detailed startup plan
  2. 02Licensure, professional resume, and ownership structure
  3. 03Buildout, equipment, and working-capital budgets
  4. 04Personal financial statement and liquidity verification

Questions worth asking

Clear answers before assumptions.

Can startup costs be included?

Eligible startup uses may be considered in an SBA 7(a) structure, but projections, experience, liquidity, and the complete plan require careful review.

What if real estate is part of the project?

Owner-used real estate may create a 504 or 7(a) comparison depending on the full use of funds, occupancy, timing, and project needs.

Do I need to have an existing practice?

Not necessarily. Startup and acquisition projects are evaluated differently, and limited operating history generally increases the importance of experience, projections, and liquidity.

Make the next conversation more productive

Bring the project into focus.

Tell Andrew what you are trying to do and receive a plain-English first look with possible program direction, questions to review, and a project-specific starting checklist.

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