Locations
Healthcare practice financing by state
Ownership rules, disclosure laws, certificate of need status, and the loan record, state by state
Direct answer
Practition Finance covers 49 states, each with its own page carrying the SBA loan record by healthcare field, the CMS-certified provider counts, and the ownership and disclosure rules that decide how a file is structured. North Dakota is not served and keeps a notice page instead.
Coverage in numbers
| Figure | Value | Confidence |
|---|---|---|
| States with a page of their own | 49 | Verified |
| States with wave-1 town pages beneath them | 42 | Verified |
| Wave-1 towns carrying their own county loan file | 300 | Verified |
As of FY2025, drawn from the SBA approval files and the place loaders behind these pages. Verified
The coverage map
Coverage map: 44 referral states, 3 referral states with a product exclusion, 2 lead purchase states, and North Dakota not served.
- AL, referral state
- AK, referral state
- AZ, referral state
- AR, referral state
- CO, referral state
- DE, referral state
- FL, referral state
- GA, referral state
- HI, referral state
- ID, referral state
- IL, referral state
- IN, referral state
- IA, referral state
- KS, referral state
- KY, referral state
- LA, referral state
- ME, referral state
- MD, referral state
- MA, referral state
- MI, referral state
- MN, referral state
- MS, referral state
- MT, referral state
- NE, referral state
- NV, referral state
- NH, referral state
- NJ, referral state
- NM, referral state
- NY, referral state
- NC, referral state
- OH, referral state
- OK, referral state
- OR, referral state
- PA, referral state
- RI, referral state
- SC, referral state
- SD, referral state
- TN, referral state
- UT, referral state
- VT, referral state
- WA, referral state
- WV, referral state
- WI, referral state
- WY, referral state
- CT, referral state with a merchant cash advance exclusion
- TX, referral state with a merchant cash advance exclusion
- VA, referral state with a merchant cash advance exclusion
- CA, lead purchase state
- MO, lead purchase state
- ND, not served
Light tiles are referral states, mid tiles carry the merchant cash advance exclusion, dark tiles are lead purchase states, and the dashed tile is North Dakota, which is not served. Verified
How coverage is grouped
| Group | States | What it means for an inquiry |
|---|---|---|
| Referral | 47 | The inquiry goes to our funding partners, who each contact the practice directly. |
| Lead purchase | 2 | One funding partner buys the inquiry at a fixed fee, and no financing is brokered, arranged, or negotiated here. |
| Product exclusion | 3 | Merchant cash advance and other revenue-based financing are not referred, and are absent from the form. |
| Not served | 1 | North Dakota businesses are not served, and no form is shown. |
Groups come from the state operations matrix that also drives the forms and the dispatch filter. Verified
Referral states
- Alabama · towns
- Alaska · towns
- Arizona · towns
- Arkansas · towns
- Colorado · towns
- Delaware · towns
- Florida · towns
- Georgia · towns
- Hawaii
- Idaho
- Illinois · towns
- Indiana · towns
- Iowa · towns
- Kansas · towns
- Kentucky · towns
- Louisiana · towns
- Maine
- Maryland · towns
- Massachusetts · towns
- Michigan · towns
- Minnesota · towns
- Mississippi · towns
- Montana · towns
- Nebraska · towns
- Nevada · towns
- New Hampshire · towns
- New Jersey · towns
- New Mexico · towns
- New York · towns
- North Carolina · towns
- Ohio · towns
- Oklahoma · towns
- Oregon · towns
- Pennsylvania · towns
- Rhode Island
- South Carolina · towns
- South Dakota · towns
- Tennessee · towns
- Utah · towns
- Vermont
- Washington · towns
- West Virginia
- Wisconsin · towns
- Wyoming · towns
Referral states with a product exclusion
- Connecticut
- Texas · towns
- Virginia · towns
Lead purchase states
- California · towns
- Missouri · towns
North Dakota
Questions about state coverage
01Why do the rules change at a state line?
Three things move: who may own a medical practice, whether a written disclosure has to accompany a commercial financing offer, and whether a certificate of need has to be granted before a facility project can be built. Each is set by state law, and each changes the sequence a file runs in rather than the arithmetic of the loan.
02Which states are handled as lead purchase rather than referral?
California and Missouri. An inquiry raised from those states is sold to one funding partner at a fixed fee agreed in advance, and Practition Finance does not broker, arrange, or negotiate the financing. Every other covered state is a referral to our funding partners.
03Where is merchant cash advance excluded?
Texas, Virginia, Connecticut. In those states merchant cash advance and other revenue-based financing are absent from the form options and are rejected server-side if a request arrives another way. Term debt, SBA programs, equipment finance, and receivables financing are unaffected.
04Why is there no North Dakota page?
North Dakota businesses are not served, so no inquiry form is shown and no request is referred. The state keeps a single notice page explaining that, and the guides, calculators, and program pages stay open to read from anywhere.
05What is on a state page that is not on a town page?
The compliance picture and the statewide loan record. Ownership rules, the disclosure law where one exists, certificate of need status, and the SBA and CMS totals live on the state page once. A town page carries its own county loan file, provider mix, and shortage designations, and links up for the rest.
Sources
Other places to start
Open your state, read the rules that apply, then describe the practice and the capital event