Capital for the providers who care for everyone else
Practice acquisitions, partner buy-ins, equipment, build-outs, and working capital — financed at terms that respect the strength of the medical professional borrower profile.
Funding for healthcare & dental
Doctors, dentists, optometrists, veterinarians, chiropractors, physical therapists, and specialty providers are some of the strongest borrower profiles in business lending. High earnings stability, recurring revenue, and durable demand mean you typically qualify for the longest terms and lowest rates in the SBA market.
Fine Point Lending matches healthcare professionals with lenders that specialize in practice finance — including 100% project financing for SBA-qualified buyers, low-rate equipment loans for imaging and operatory build-outs, and working capital lines to bridge insurance receivables.
Challenges we solve for
Insurance receivable cycles
30–120 day reimbursement cycles strain cash flow even in a profitable practice. A line of credit smooths the gap.
Expensive equipment
Cone-beam imaging, CBCT, lasers, in-office mills, and chair upgrades all run six figures. Equipment financing keeps cash for operations.
Acquisitions and partner buy-ins
SBA 7(a) loans routinely fund 100% of practice acquisitions for qualified providers — a powerful tool for buyers and sellers.
Build-outs and expansions
Adding operatories, opening a satellite, or relocating involves construction, equipment, and ramp-up working capital — often packaged into a single SBA loan.
Loan products best suited for this industry
SBA 7(a) Loan
The dominant product for practice purchases, partner buy-ins, and build-outs. Terms up to 25 years and rates often below conventional alternatives.
Learn more about SBA 7(a) Loan →SBA 504 Loan
For real estate purchases — buy your office building with as little as 10% down and 20-year fixed-rate financing.
Learn more about SBA 504 Loan →Equipment Financing
Operatory chairs, imaging, lasers, sterilization, and IT — typically 100% financed with terms matching the equipment's useful life.
Business Line of Credit
Bridge insurance receivables, fund seasonal hiring, and cover surprise expenses with a revolving facility.
Learn more about Business Line of Credit →Working Capital Advance
When timing is critical, fast working capital tied to deposits without long underwriting cycles.
Learn more about Working Capital Advance →Qualifications at a glance
- Time in business
- Even brand-new acquisitions qualify if the buyer has the right professional license and credit profile
- Minimum monthly revenue
- Varies — practice acquisitions are underwritten on the target's revenue
- Personal credit score
- 680+ recommended for SBA · 600+ for working capital
- Documents commonly requested
- License, CV, personal financial statement, last 3 years of practice tax returns (acquisitions), purchase agreement
Common use cases
Buying an existing practice
SBA 7(a) financing covering 100% of the purchase, working capital, and closing costs.
Adding a new operatory or chair
Equipment financing on the chair plus a small term loan for the build-out.
Buying out a retiring partner
SBA-backed buy-in financing structured to preserve cash flow through the transition.
Purchasing your office condo
SBA 504 with 10% down, fixed long-term rates on the real estate portion.
"I was skeptical about doing this online. The dedicated advisor I got made it feel like working with a local banker — only faster."
Rachel D., Veterinary Clinic (VA) — $310K SBA 7(a) · acquisition financing