Clinics: financing the equipment or the wait?
A dental clinic, a physiotherapy clinic or a health practice is presented from what comes into the account, insurer payments included. The lender decides, for the equipment as for the wait for payments.
Choose my amountThe answers
- Can a clinic’s equipment be financed?
- Yes, as equipment financing, based on the purchase price, new or used. The equipment itself usually serves as security.
- Insurers pay after the patient’s visit: does that hurt the file?
- Not in itself. The lender reads when insurer and patient payments reach the account; it is the whole period that counts.
- Can a fit-out or another treatment room be financed?
- It is presented as a working-capital need, sized on your deposits; the equipment that goes into it is presented on its own. The lender sets the amount in its written offer.
- Can a clinic that opened recently present a file?
- The file can be presented once the account shows regular deposits. The lender sets its time-in-business thresholds and decides alone.
What the lender looks at
- Actual deposits, month by month
- Patient and insurer payments: what the clinic really takes in.
- Trend over the period
- A growing patient base shows in the deposits.
- Payments to other lenders
- Equipment already financed elsewhere counts as a commitment.
- How long the business has been operating
- A recent clinic can still be presented; the lender sets its thresholds.
$0 upfront · 7% only if funded
An intermediary, not a lender.
The lender sets the final amount and its cost in its written offer.
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