Business plans for dental, medical and veterinary practices
Dental and medical practices are among the strongest SBA credits, and lenders know them well. Your plan needs to show production, collections and patient flow, and for an acquisition, how patients and staff carry over to you.
Written by a former underwriter who approved healthcare practice loans for 10 years.
- SBA 7(a)
- SBA 504
- 36-month projections
- Written assumptions
- DSCR
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What a lender checks on a healthcare practices loan
Your plan answers these before the credit officer has to ask.
Production and collections
Gross production, collections and the ratio between them, broken out by provider.
Payer mix
Insurance, fee-for-service and membership revenue, and how reimbursement affects margins.
Patient flow
Active patients and new patients per month, and where they come from.
Overhead
Staff, supplies, lab and rent as a share of collections, compared with practice benchmarks.
Acquisition transition
Goodwill, seller transition period, non-compete and patient retention assumptions.
Credentials
Your licensing, specialty and clinical experience, which carry a lot of weight with practice lenders.
Numbers your plan will show
Every figure comes with a written assumption, across 36 months of P&L, balance sheet and cash flow.
- Gross production
- Collections ratio
- Active patients
- New patients per month
- Overhead %
- Provider compensation
- DSCR by year
Plans for every kind of request
Startups, acquisitions, expansions and property purchases, for SBA 7(a), SBA 504 and conventional bank loans.
- Practice acquisition
- Startup practice
- Partner buyout
- Equipment & technology
- Office purchase (504)
- Expansion
Common questions
Can you write a plan for buying an existing practice?
Yes. We build it from the practice's production and collection reports and tax returns, then project your first three years with a realistic patient retention assumption.
What about a startup practice?
Startup plans build the patient ramp from local demographics, competition and your payer contracts, with month-by-month projections through break-even.
Do you work with veterinary practices?
Yes. Veterinary practices are underwritten much like dental and medical practices, and the plan covers the same production, client and overhead measures.
SBA business plans for any industry
Ready to put your loan request in front of a lender?
Name, email and phone. That's all it takes to get started.