How to get financing for a medical or dental practice?
Getting financing for a medical or dental practice is easier than for most businesses: lenders treat licensed providers as among the safest borrowers, and healthcare-specialty lenders compete for your file. The right move is matching the product to the purpose: equipment financing for chairs and imaging, SBA loans for acquisitions and build-outs, working capital for staffing and insurance-payment lag. The cost of guessing wrong is real money: practice loans span a wide rate range, and overpaying on a large balance compounds for years. Quordx Capital's 50+ lender network includes healthcare specialists, and matching is free.
This page is part of our industry-specific coverage of Industry Financing. Browse the full industry hub for financing built around how your business actually earns.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How practice financing works by purpose
- Equipment and technology: digital X-ray, CBCT, chairs, sterilization, EHR hardware: equipment financing runs $5K to $5M+ with the equipment as collateral, terms of 24-84 months, and rates commonly ~7%-20%. New and used both qualify. - Buying or starting a practice: SBA 7(a) loans go up to $5M with typically 10% down for acquisitions: current variable rates run roughly 10.5%-14% depending on size. Most 7(a) lenders look for 650+ credit. Slower than alternative lending, but the cheapest path to ownership. - Buying your building: commercial real estate financing ($100K-$10M+) or an SBA 504 loan (up to $5.5M, fixed-rate, effective rates typically 5-7%) for owner-occupied medical space. - Cash flow between insurance reimbursements: working capital loans ($5K-$500K) or a line of credit ($10K-$250K+) cover payroll and supplies while claims process.
Strong personal credit and steady collections will pull your pricing toward the bottom of every range, which is exactly why comparing multiple lenders matters on six- and seven-figure balances.
Practice funding options Quordx Capital brokers
Equipment financing: Best for clinical technology upgrades without a large cash outlay.
SBA loans: Best for practice acquisitions, build-outs, and real estate: lowest long-term cost.
Working capital loan: Best for reimbursement lag, hiring, and short-term operating needs.
Commercial real estate financing: Best for purchasing the building your practice occupies.
How Quordx Capital Works
You apply once, about 5 minutes, and upload bank statements, your most recent tax return, ID, and entity documents; larger or SBA deals add a P&L and balance sheet. The platform's AI matches your profile to 3-7 healthcare-experienced lenders from the 50+ network, ranked by approval probability. Decisions typically arrive within 24-48 hours; funding usually lands in 3-7 business days, with SBA timelines running longer.
What to Expect
As a licensed provider, expect competitive offers: your job is choosing well, not begging for approval, and side-by-side terms make the difference visible. If you're carrying heavy student debt, expect lenders who underwrite practice cash flow rather than panicking at your personal balance sheet. The comparison is free, confidential, and carries no obligation; Quordx Capital is paid by lenders only when a deal funds.
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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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