Capital for medical practitioners.
Practice acquisition, equipment financing, build-out capital, and working capital — placed through lenders with dedicated healthcare programs and physician-friendly underwriting.
Overview
Medical & Healthcare capital, structured for how operators actually work.
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.
Industry Challenges
What we underwrite that banks won't.
60–120 day insurance reimbursement cycles tie up working capital. Healthcare-specialty ABL and factoring lines advance against insurance AR.
Imaging, lasers, CBCT, and surgical equipment carry six-figure price tags. Dedicated medical equipment lenders offer 100% financing with deferred-payment programs.
Practice transitions involve goodwill, equipment, and real estate. Multi-tranche structuring through SBA and conventional lenders maximizes leverage.
Recommended Capital
Best-fit funding for medical & healthcare.
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.
Frequently Asked
Questions from medical & healthcare operators.
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