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The Healthcare Funding Index

Every figure Practition Finance publishes, with the publisher that produced it and the date it was current. Nothing here is a quote, an offer, or an indication of what a funder would price for your file.

Direct answer

The Healthcare Funding Index is one table holding every market figure Practition Finance cites anywhere on this website, with 3 columns on every row, the publisher that produced it, the date it was current, and a confidence level. The same rows download as CSV, so a number can always be traced back to its source.

As of August 2026

Published figures, compiled August 2026

Every published figure, its market range, its confidence level, and how often it is rechecked
What it measuresMarket rangeConfidenceRefresh
Section 179 limit, 2026$2,560,000, phase-out from $4,090,0001VerifiedAugust 2026Checked annual
Bonus depreciation100%, permanent, property acquired after January 19, 2025 (OBBBA)2VerifiedAugust 2026Checked annual
Dental equipment recovery period5 years, Asset Class 57.03VerifiedAugust 2026Point in time
WSJ prime rate6.75%4VerifiedAugust 2026Checked monthly
SBA 7(a) FY2026 feesAt statutory maximums (Notice 5000-872051)5VerifiedAugust 2026Checked annual
SBA 7(a) maximum$5,000,000, guaranty 85% to $150,000 and 75% above6VerifiedAugust 2026Checked annual
SBA 504 debenture rateAbout 6.2% on the 20-year and 6.17% on the 25-year, July 20267VerifiedJuly 2026Checked monthly
504 equity injection10% established, 15% startup or special-use8VerifiedAugust 2026Checked annual
US Bank practice loan structureUp to 100% financing, 6-month interest only, 15-year practice, 25-year CRE9VerifiedAugust 2026Checked quarterly
Working capital added to an acquisition, one lenderUp to 15% of the transaction, capped at $200,00010VerifiedAugust 2026Checked quarterly
Dental acquisition credit floor650 floor, 680 and above for premium pricing, 640 at Live Oak for new graduates11DirectionalAugust 2026Checked quarterly
Dental acquisition timelinesSpecialty lenders 30 to 60 days, SBA 45 to 90 days, banks 30 to 45 days11DirectionalAugust 2026Checked quarterly
Dental private-sale pricing65% to 85% of collections, clustering 70% to 80%, specialty 80% to 100%12VerifiedAugust 2026Checked quarterly
Dental DSO multiples5x to 8x single location, 8x to 11x multi-location above $1,000,000 EBITDA13VerifiedAugust 2026Checked quarterly
Hygiene share of collections30% and above earns premium pricing14VerifiedAugust 2026Checked quarterly
Dental de novo project cost$400,000 to $950,000 depending on source15DirectionalAugust 2026Checked quarterly
Veterinary practice pricing70% to 95% of revenue or 5x to 8x EBITDA, consolidators 9x to 14x above $1,500,00016DirectionalAugust 2026Checked quarterly
Veterinary loan structure10% to 15% equity, 10-year goodwill and equipment, 25-year real estate, prime plus 2.5% to 3% floating16DirectionalAugust 2026Checked quarterly
Corporate share of veterinary practices25% to 30% of general practice, 75% of specialty and emergency17DirectionalAugust 2026Checked annual
Med spa average revenue per location, 2024$1,398,83318VerifiedAugust 2026Checked annual
Aesthetic device ticket$10,000 to $250,000 and above19DirectionalAugust 2026Checked quarterly
Factoring advance rate70% to 95% of net collectible value20VerifiedAugust 2026Checked quarterly
Factoring discount fee1% to 5% per invoice21VerifiedAugust 2026Checked quarterly
Factoring volume floor$35,000 to $500,000 per month, asset-based above $500,000 net realizable value and $600,000 AR22VerifiedAugust 2026Checked quarterly
Staffing AR line advance85% to 90% of eligible invoices23DirectionalAugust 2026Checked quarterly
Days in AR benchmarkUnder 30 high performing, 30 to 40 acceptable, over 50 a problem24VerifiedAugust 2026Checked annual
Net collection rate benchmark96%25VerifiedAugust 2026Checked annual
Denial rate benchmarkUnder 5% top quartile, 8% to 10% average25VerifiedAugust 2026Checked annual
Clean claim rate benchmark95% and above good, 98% and above excellent26VerifiedAugust 2026Checked annual
Credentialing lag60 to 120 days27DirectionalAugust 2026Checked quarterly
Consumer-facing merchant discount feesCherry from 1.7% to 1.9%, Sunbit about 4.7%, CareCredit about 5% to 12%, PatientFi 8% to 15%28DirectionalAugust 2026Checked quarterly
Behavioral health working capital, one lenderUp to $3,000,000, from prime, 10-year fixed, no personal guaranty on some files29VerifiedAugust 2026Checked quarterly
NEMT vehicle cost$40,000 to $80,000 each27DirectionalAugust 2026Checked quarterly
HUD 232 and 223(f)$2,000,000 minimum, up to 35 years, non-recourse30VerifiedAugust 2026Checked annual
DME bid surety bond$50,000 per bid area31VerifiedAugust 2026Checked annual
Live Oak SBA volume, CY2025$2.68 billion, ranked 1 by volume32VerifiedAugust 2026Checked annual
Corporate practice of medicine postureCalifornia, Texas, and New York strict, Arizona, Colorado, and Washington permissive with a medical director33VerifiedAugust 2026Checked quarterly
Global debt service coverage floor1.15x minimum on SBA 7(a) credit, measured on the borrower's operating cash flow34DirectionalAugust 2026Checked quarterly
The 60/40 rule, dental credit decisionAbout 60% practice cash flow, 40% buyer personal strength35DirectionalAugust 2026Checked annual
Liquidity expected behind 100% financingRoughly 5% of the loan amount in liquid cash36DirectionalAugust 2026Checked annual
Graduated or interest-only window6 months at US Bank, 12 to 24 months in some startup programs37DirectionalAugust 2026Checked annual
Personal guarantee thresholdOwners of 20% or more provide an unlimited full guaranty34VerifiedAugust 2026Checked annual

Month-over-month history appears beside a figure once a second snapshot exists. Figures still waiting on a named publisher are held back from every page rather than shown with a placeholder attribution.

Take the whole table

The same rows, machine readable, with keys, values, publishers, URLs, and as-of dates

Download the index as CSV

Where these figures are used

Questions people ask

01

Where do these figures come from?

Each row names the publisher that produced it, and the sources list at the bottom of the page links out to that publisher wherever a public URL exists. Nothing is estimated in-house.

02

How often is the index updated?

Each figure carries its own refresh cadence, shown in the last column. Rates and fee schedules are rechecked more often than annual tax limits, and every row shows the date it was last confirmed.

03

What does the confidence level mean?

Verified means the figure is published directly by the named source. Directional means it is a market range compiled from lender practice rather than a single published number, and it should be read as a reference point.

04

Why are some figures missing?

A figure is held back from every page until it carries a named publisher. Rows still waiting on attribution are not shown here with a placeholder source.

05

Can I use these figures elsewhere?

Yes, with attribution to the original publisher named in the row rather than to Practition Finance. The CSV includes the publisher and source URL for that purpose.

06

Is any figure here an offer?

No. Every figure is a published market reference. No funder has reviewed your file, and nothing here is a quote, an approval, or an indication of terms.

Sources

  1. 1Section179.org, Ameris Bank, Rev. Proc. 2025-32
  2. 2Section179.org, US Bank, AE Tax Advisors
  3. 3Dental Practice Insider citing Rev. Proc. 87-56
  4. 4Lendio, sbaloanindex.com
  5. 5NAGGL
  6. 6SBA-derived calculators
  7. 7sbaloanindex.com
  8. 8Janover Pro
  9. 9usbank.com
  10. 101stmedfinancial.com
  11. 11dentalpracticeloanguide.com
  12. 12dentalpracticeinsider.org, dentaltransitions.com
  13. 13dentaltransitions.com (McLerran)
  14. 14dentaltransitions.com, transitionselite.com
  15. 15swissmonkey.io, dentalpracticeloanguide.com
  16. 16ctacquisitions.com
  17. 17zoominvestors.com
  18. 18AmSpa via industry statistics page
  19. 19Lender program pages
  20. 20Clarify Capital, Crestmont, Factor Finders
  21. 21MonitorDaily, Crestmont, FactoringExpress
  22. 22Factor Finders
  23. 23Noble Funding
  24. 24MGMA and HFMA aligned sources
  25. 25MGMA-cited
  26. 26Revenue Synergy
  27. 27Crestmont
  28. 28withcherry.com, axiantpartners.com, practicesignal.com
  29. 29usmedicalfunding.com
  30. 30hud.loans, hud232.loan
  31. 31GAO
  32. 32gosbaloans.com FOIA ranking
  33. 33Pabau, Cohen Healthcare Law, ByrdAdatto, medspastandards
  34. 34U.S. Small Business Administration, SOP 50 10
  35. 35American Dental Association, Health Policy Institute
  36. 36toothandcoin.com, Wells Fargo practice finance interview
  37. 37usbank.com, startup lender program pages
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