About HowToFundAPractice: Mission, Values, and Commitment to Healthcare Practice Success

What is HowToFundAPractice?

HowToFundAPractice is a financing advisory firm dedicated to helping U.S. healthcare practitioners secure capital to start, buy, or expand their private practices.

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Our History and Growth

Founded in 2018 by a former SBA lender and a practicing dentist, HowToFundAPractice began as a niche boutique serving a handful of local dentists. By 2023 we expanded nationwide, adding specialists in veterinary finance, physician practice acquisition, and medical equipment leasing. Today our team of 25 finance professionals, former clinicians, and compliance experts supports more than 4,000 practice owners across the United States.

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Our Core Values

1. Transparency – We present loan terms, fees, and qualification criteria in plain language.
2. Client‑First Guidance – Every recommendation is built around the practice’s long‑term financial health, not the lender’s product.
3. Integrity – All communications comply with the Federal Trade Commission’s advertising standards for financial services.
4. Education – We empower practitioners with resources on practice valuation, debt‑consolidation, and SBA 7(a) loan eligibility.

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Financing Philosophy

Our philosophy blends three pillars:

• Fit‑First Matching – We evaluate the practice’s cash flow, valuation, and growth plan before suggesting a loan product. This reduces the risk of over‑leveraging and ensures repayment capacity.
• Rate Awareness – While national average medical practice loan rates hovered around 7.2% in early 2025, we continuously monitor market shifts to secure the most competitive terms for each client.
• Lifecycle Support – From the initial application to post‑funding monitoring, we remain a resource for refinancing, expansion, or debt consolidation.

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How to Qualify for Practice Financing

1. Solid Practice Cash Flow – Demonstrate consistent monthly revenue that covers operating expenses and projected loan service. 2. Strong Professional Credit – A personal credit score of 680+ is typical, though strong cash flow can offset lower scores. 3. Accurate Valuation – Provide a recent, third‑party practice valuation to guide loan sizing. 4. Documentation Ready – Tax returns, profit‑and‑loss statements, and ownership paperwork must be current. 5. Purpose Clarity – Clearly outline whether funds are for acquisition, equipment leasing, working capital, or debt consolidation.

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Typical Loan Products We Offer

Product	Typical Use	Avg. Rate (2025)	Term
SBA 7(a) Loans for Doctors	Practice purchase or major expansion	6.5% – 7.5%	10‑25 years
Medical Practice Startup Loans	New clinic launch, initial equipment	7.0% – 8.2%	5‑10 years
Dental Practice Acquisition Financing	Buying an existing dental office	6.8% – 7.9%	10‑20 years
Veterinary Practice Business Loan	Acquisition or renovation	7.1% – 8.0%	7‑15 years
Equipment Leasing	Dental chairs, imaging, surgical kits	4.9% – 6.5% (lease rate)	3‑7 years

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Frequently Asked Questions (Quick Answers)

What credit score is needed for an SBA 7(a) loan?: Most lenders require a personal score of 680 or higher, though strong practice cash flow can compensate for lower scores.

How long does it take to get a decision?: Typical decision time is 10‑15 business days; equipment leasing may be approved within 3‑5 days.

Can I consolidate existing practice debt?: Yes, we structure healthcare debt consolidation loans that combine multiple balances into a single, lower‑interest facility.

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Bottom line

HowToFundAPractice pairs healthcare professionals with financing that matches their practice’s cash flow, growth plans, and credit profile, delivering transparent terms and ongoing support. Our client‑first approach helps dentists, veterinarians, and physicians focus on patient care while we handle the capital puzzle.

Ready to see your financing options? Check your rates and see if you qualify.

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Disclosures

This content is for educational purposes only and is not financial advice. howtofundapractice.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.