Capital for the practice.
Practice acquisition, equipment, buildout, working capital, and real estate financing for healthcare providers. Specialized lender programs across dental, veterinary, medical, behavioral health, and the full specialist range.
Pre-qualify your practiceProduct Details
- Loan amounts $25K — $5M+
Single equipment lease through full practice acquisition
- Rates starting at 7.99%
Strong-profile providers in favorable specialties get the best terms
- 7-day close on equipment
Practice loans typically 30—45 days. Equipment fastest.
- Up to 100% financing
Equipment + buildout often financed without down payment for established providers
- SBA 7(a) and 504 available
Government-backed programs for acquisition and real estate
- Specialty-priced rates
Dental, derm, ortho, gastro, vet — risk-priced by specialty performance
Requirements
Six pathways for healthcare practice capital.
One workflow, six structures. Acquire a practice, open a new location, finance equipment, build out the space, bridge cash flow, or buy the building — programs sit side by side and you take what fits.
Practice Acquisition
Buy an existing practice — single location to multi-site rollup. SBA 7(a) common, conventional available for stronger profiles. Seller financing often layered in.
Practice Startup
Open a new location. Build out, working capital, and equipment under one structure. SBA 7(a) typical — longer term, government-backed.
Equipment Financing
MRI, CT, dental chairs, lab equipment, surgical gear. Equipment serves as collateral. Fastest close in healthcare lending.
Buildout / TI
Leasehold improvements, expansion, or renovation. Often paired with equipment financing for full setup.
Working Capital
Bridge reimbursement timing, cover payroll during seasonal swings, or fund a marketing push. Short-term capital priced for short-term use.
Practice Real Estate
Buy the building you practice in. Owner-occupied commercial mortgage with longer amortization than typical commercial real estate.
Specialties covered.
Most lender programs cover this list. Some specialties get preferred rates and higher LTVs based on default-risk profile.
Dental
General, ortho, perio, oral surgery. Strong specialty for lending — Henry Schein, Bank of America, Live Oak all run dental programs.
Veterinary
Small animal, large animal, exotic. Vet practices have favorable default profiles — preferred rates available.
Medical
Family practice, internal medicine, pediatrics, OB/GYN. Standard underwriting box.
Specialty Medical
Cardiology, gastro, derm, ortho, urology, ophthalmology. Top-tier rates for these specialties.
Behavioral Health
Psychiatry, psychology, counseling. Growing demand — programs available.
Optometry
Practice ownership and equipment. Specialty-priced terms.
Chiropractic
Practice and equipment. Ask about cash-pay vs insurance mix.
Physical Therapy
Practice acquisition or startup. Insurance mix matters for underwriting.
Surgery & Imaging
Ambulatory surgery centers, imaging centers, urgent care. Larger structures — talk to our team.
The workflow.
From pre-qualification to wire. No mystery, no scattered emails, no last-minute term changes.
Pre-qualify
Specialty, stage, financials. The system tells you which programs match your practice and gives you a rate range.
Submit the deal
Tax returns, P&L, license, EHR data, and (for acquisitions) seller financials. Packaged for the right lender on the first pass.
Underwriting
Lender reviews. Equipment closes fastest (7—14 days). Practice loans 30—45. SBA 60—90.
Fund & operate
Funds release per program — equipment vendor direct, working capital wire, SBA structured. We stay on the file through close.
Practice funding questions.
Which specialties get the best rates?
Dental, vet, derm, ortho, gastro, and surgical specialties typically get the most aggressive pricing. Family practice and pediatrics are mid-range. Behavioral health programs have grown significantly in the last few years.
Do I need to be a practice owner already?
No. Startup and acquisition programs are built specifically for first-time owners. Stronger personal profile and a solid business plan unlock the best terms.
What's the rate range?
Equipment 7.99—10%. Practice loans 7.99—9%. SBA 7(a) prime + 2 to prime + 4. Working capital 1.15—1.4x factor. Final rate set at term sheet.
Do I need an existing entity?
Most lenders require PC, PLLC, or LLC. We help structure if you don't have one yet.
Can I include equipment in a practice acquisition loan?
Yes. Most acquisition structures include working capital and equipment under the same note. Single closing, single payment.
How fast can I close?
Equipment as fast as 7 days for clean files. Practice loans 30—45 days. SBA 60—90. Real estate 60—90.
What's the profile minimum?
680. Stronger profiles unlock better rates. The Optimize tier exists if your profile needs positioning before applying.
Are receivables / claims financing available?
Yes. For practices with significant insurance receivables, factoring against the receivable line can bridge timing gaps. Different program — talk to our team.
From our clients.
“fundboo positioned our profile and coordinated the entire funding process. Within 60 days, we had the capital to purchase two new excavators and bid on contracts we couldn't touch before.”
“We tried three different services before fundboo. The difference was they didn't just run letters — they built our entire profile from scratch and matched us with lenders who understood healthcare.”
Run the numbers.
Specialty, stage, financials. The system matches your practice to the right programs and gives you a rate range before you spend another minute on it.
Pre-qualify nowLoan terms vary by specialty, lender program, profile, and underwriting. Results vary. No specific outcomes are guaranteed.