Medical and dental practices have unique funding needs: imaging machines and chairs that cost six figures, insurance reimbursement that arrives 30-90 days after service, and acquisition opportunities that demand large capital. The right lender understands healthcare cash flow; the wrong one treats you like any small business. Here's how practice funding works.
Why one lender misprices a medical practice
A generic lender sees a practice's insurance-reimbursement lag as cash-flow instability and high equipment costs as risk. Healthcare-focused lenders see the opposite: predictable reimbursement and equipment that retains value. The difference in how you're underwritten — and priced — is enormous. Going to one generic lender leaves that advantage on the table.
One lender = generic underwriting
They treat reimbursement lag as instability and big equipment as risk, declining you or pricing high — missing how healthy practice cash flow really is.
50+ lenders = practice-aware funding
Equipment financing for imaging and chairs, working capital for reimbursement gaps, acquisition capital for buying in or out — matched to healthcare cash flow and negotiated.
Going to one funder vs. The Broker Shop
| What matters | Going to one funder | The Broker Shop |
|---|---|---|
| Understands reimbursement cycles | Often not | Lenders built for healthcare cash flow |
| High-cost equipment | Priced as risk | Specialty lenders, competitive rates |
| If generic underwriting trips up | Declined or overpriced | Routed to a practice-friendly lender |
| Who negotiates | No one | We do, across 50+ lenders |
| Cost to you | Varies | $0 — the lender pays our fee |
Practices are strong borrowers — to the right lender
Predictable insurance reimbursement and equipment that holds value make a practice a great borrower — to healthcare-aware lenders. Generic ones miss it and overcharge. The right match gets you low-rate equipment financing and working capital that bridges reimbursement cleanly.
The Broker Shop puts your file in front of 50+ lenders at once, finds the ones that understand practices, and negotiates the terms. Free to you.
Find a Lender for My Practice →What actually determines your cost
For medical practice funding, these factors decide your cost:
- Right product per need — equipment financing for machines, working capital for reimbursement gaps.
- How many lenders compete — generic pricing vs. 50+ including healthcare specialists.
- Equipment value — imaging and dental gear hold value, earning good rates.
- Practice revenue and history — steady reimbursement supports strong terms.
- Whether anyone negotiates — a broker beats generic underwriting.
Compare equipment financing for medical gear, or all funding options.