Health care practices are some of the most bankable small businesses: licensed professionals, strong demand and steady revenue. Many lenders have dedicated health care teams.

Common needs

• Starting a new practice or clinic.
• Buying a retiring provider’s practice.
• Dental chairs, imaging equipment, therapy equipment, software.
• Office build-out to meet health codes and accessibility rules.
• Buying a medical office with a 504 loan.
• Working capital while insurance claims are paid.

Options

What lenders look at

1. Licenses and credentials of the providers.
2. Payer mix: private insurance, Medicare, Medicaid, cash.
3. Accounts receivable from insurers and how long they take to pay.
4. Patient volume and appointment history.
5. For acquisitions: whether patients and staff will stay after the seller leaves; a transition period helps.

Tips

• Clean billing records make a huge difference; lenders read your collections data.
• For a startup practice, a strong local referral network and a realistic ramp-up help.
• Under the 2026 SBA rule, all owners must be U.S. citizens or nationals; providers on visas or with green cards should look at conventional health care lenders.

Choose Health care in our lender finder to see who funds practices in your state.

Frequently asked questions

Can I buy a medical or dental practice with an SBA loan?

Yes. A 7(a) loan is commonly used to buy a retiring provider's practice, ideally with a transition period.

What do lenders look at for health practices?

Provider licenses, payer mix, insurance receivables, patient volume and billing records.

Can a provider with a green card get an SBA loan?

Not under the 2026 rule. Conventional health care lenders are the main alternative.