Capital structured for
physician income.
100% practice acquisition financing. Equipment programs with deferred payments. Insurance-AR working capital — placed through healthcare-specialty lenders who underwrite physician strength, not just two years of returns.
Pre-Qualify
Get indicative finance an acquisition terms.
60-second pre-qualification. No credit pull. A Summit advisor responds within one business day.
The Reality
The income is bankable.
Most banks just won't underwrite it.
Medical, dental, veterinary, and outpatient practices have stable cash flow but unique capital needs: high-cost equipment, build-out, partner buyouts, and insurance receivables. Summit places financing with healthcare-specialty lenders that recognize physician income strength and underwrite accordingly — including 100% financing on practice acquisitions for qualified buyers.
The Acquisition Math
$1.2M practice acquisition. Three structures.
20% borrower equity required. Often kills the deal for associates buying in.
100% acquisition + working capital, 10-year amortization, prime + ~2.75%.
Conventional 100% physician loan, no SBA paperwork, fixed rate 10–25 yr.
Associate-to-owner transitions, partner buyouts, and de novo starts are all bankable with the right lender pool — even with no historical practice cash flow under your name.
Recommended Capital
The three structures practices use to scale.
100% financing on medical and dental equipment with deferred-payment programs and terms up to 84 months.
Practice acquisition, partner buyout, and expansion loans. SBA 7(a) and conventional structures up to $10M.
Working capital against insurance receivables for payroll, supplies, and growth.
From the Practice
What practitioners actually ask us.
Can I get 100% financing on a practice acquisition?+
Yes. SBA 7(a) and specialty healthcare lenders routinely offer 100% financing on practice acquisitions for qualified buyers with industry experience and strong credit.
Do I need to be in business for two years?+
No. Associate-to-owner transitions and startup practices are bankable when the practitioner has clinical experience and a reasonable business plan.
Can I finance equipment in a new practice?+
Yes. Manufacturer-backed and independent healthcare lessors offer startup equipment programs with deferred payments aligned to ramp-up.
Next Step