Funding built for Practitioners
Cash flow, equipment, and growth: on your terms
Finance the equipment on the quote, turn billed receivables into payroll cash, and fund the second location before the lease signs. 11 programs from banks and specialty funders: equipment finance, receivables factoring, practice acquisition, working capital, and more.
About 2 minutes. No credit pull.
- We do not make credit decisions. Funding partners underwrite and decide. This is a request to talk with a specialist. It is not a credit application.
- Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- Availability shown for your state.
- The quote you see is the funder's, in writing.
Direct answer
Practition Finance is an independent business financing referral service for licensed practices and healthcare businesses. It explains the 11 programs the market uses, runs the numbers, and refers the request to our funding partners, who present any offer and its terms directly. No fee is charged to the visitor.
As of August 2026
- Section 179 limit, 2026
- Dental equipment recovery period
- Factoring advance rate
- Staffing AR line advance
What the wait is costing your practice
Your receivables, your equipment quote, market rates from published sources
Claims and invoices already out the door, before the payer remits
An advance moves a share of that balance forward now and charges a discount fee per invoice. The rest arrives when the payer pays.
Moved forward now
$166,250 to $235,125
Advance rate 70% to 95% of net collectible value, net of the fee
Fee on that advance
$1,750 to $11,875
Discount fee 1% to 5% per invoice
Where these rates come from
- 1Clarify Capital
- 2Crestmont
- 3Factor Finders
- 4MonitorDaily
- 5FactoringExpress
- 6Lendio
- 7sbaloanindex.com
- 8Section179.org
- 9Ameris Bank
- 10Rev. Proc. 2025-32
11 programs practices use, and what each one costs
Equipment financing and leasing
24 to 84 months, against a 2026 Section 179 limit of $2,560,000
Terms, documents, and timelineMedical receivables factoring
70% to 95% advanced, a fee of 1% to 5% per invoice
Terms, documents, and timelineHealthcare AR line and payroll funding
85% to 90% of eligible invoices against a borrowing base
Terms, documents, and timelinePractice acquisition
Up to 100% of the price, 15-year practice terms in the market
Terms, documents, and timelineStartup and de novo
Dental projects run $400,000 to $950,000, with a graduated ramp
Terms, documents, and timelineExpansion, relocation, and build-out
Underwritten on current cash flow, 30 to 60 days in the market
Terms, documents, and timelineWorking capital term loan
Specialist facilities to roughly $3,000,000, priced from prime at 6.75%
Terms, documents, and timelineBusiness line of credit
Interest on the drawn balance, 1 to 3 weeks at a bank and days online
Terms, documents, and timelineSBA 7(a) and 504
To $5,000,000 on 7(a), 45 to 120 days to close in the market
Terms, documents, and timelineCommercial real estate, owner-occupied
Amortized to 25 years, 45 to 90 days to close in the market
Terms, documents, and timelinePartner buy-in, buy-out, and refinance
One fixed note against the share bought, 30 to 60 days
Terms, documents, and timeline
Amounts, terms, and funding times are estimates drawn from programs commonly available in the market. Actual terms vary by program, funder underwriting, time in business, revenue, and credit profile. Nothing here is an offer of credit.
A laser quote has been on the desk for three weeks
Equipment financing and leasingPayroll runs Friday and Medicaid remits in 45 days
Healthcare AR line and payroll fundingThe hospital contract pays at net 60 and volume doubles
Medical receivables factoringThe seller named a price and the broker wants an answer
Practice acquisitionThe second location signs its lease in 60 days
Expansion, relocation, and build-outA hired clinician is 90 days from a first billable visit
Working capital term loan
What happens after a practice sends a request
- 01
Start the conversation
Day 0
Send a request, call, or chat. No obligation.
- 02
We match
Day 0–1
Our team reviews your request and looks for a funding partner that fits.
- 03
Partner contact
Partner's timeline
If a partner thinks they can help, a specialist from that partner contacts you to discuss next steps.
- 04
Secure application
Partner's timeline
The partner sends its own secure application.
- 05
Underwriting
Partner's timeline
The partner reviews your file.
- 06
Offer
Partner's timeline
The partner presents its offer, rate, terms, and total cost in writing.
- 07
Sign and fund
Partner's timeline
If you accept, you sign directly with the partner, and the partner funds it.
- 08
Back to work
Ongoing
Keep the practice running.
Timing after the match is set by the funding partner. Factoring often moves faster, and SBA and term loans often take longer.
Calculators built on practice numbers
Acquisition debt service
Whether the collections history covers the note the price implies
In build
Factoring cost in dollars
What an advance costs per 30 days against waiting on the remittance
In build
Lease against loan
Which equipment structure lands the better after-tax number
In build
Practices
Practice Financing Readiness Kit
What a lender reads before it reads your numbers
PDF · 9 pages · v1.0
- The practice document checklist, in the order a lender asks for it
- The valuation ladder: percent of collections, SDE multiple, and EBITDA multiple
- The acquisition capital stack, drawn
- The de novo cash curve to break-even
- The lease versus loan after-tax comparison worksheet
- The 12 questions to ask before signing a letter of intent
About Practition Finance
Practition Finance is an independent business financing referral service for healthcare practices and healthcare businesses. It publishes the terms, documents, and timelines of 11 programs in the figures underwriters use, then refers the request to our funding partners, one or more of whom may contact the practice with its own offer and terms, or, in California and Missouri, transfers the inquiry to a funding partner that arranges any financing itself. No fees to the business.
What practice owners ask first
01Is a request a credit application?
This is a financing request, not a credit application.
02Do you pull credit to start a conversation?
No. The team reviews the request, and if a funding partner can help, a specialist from that partner contacts you. The request is not a credit application and triggers no hard credit pull.
03Where do the numbers on these pages come from?
Each one is a published market figure with the publisher listed in the sources and the date it was recorded shown beside it. Every number describes what the market publishes, not what a funder will offer on your file.
04Which states are lead generation only?
In California and Missouri, Practition Finance operates solely as a lead generation service and transfers the inquiry to independent funding partners for a fixed fee.
05Where is merchant cash advance not offered?
Merchant cash advance and other revenue-based financing structures are not offered to businesses in Texas, Virginia, and Connecticut.
06Which states are not served?
Practition Finance does not currently offer services to businesses in North Dakota.
Sources
- 1Section179.org, Ameris Bank, Rev. Proc. 2025-32
- 2Dental Practice Insider citing Rev. Proc. 87-56
- 3Clarify Capital, Crestmont, Factor Finders
- 4Noble Funding
Other places to start
Describe the practice and the capital need. The team reviews the request, and if a funding partner can help, a specialist from that partner contacts you.