Practice Buy In Loan

Industry experts to support your transition into practice ownership

Partner with an industry expert who understands the healthcare industry

Partner with a company that understands practice buy in loans

We believe ownership in a healthcare practice can be a profitable, long-term investment for physicians and dentists. Our unique process understands the unique journey of a doctor. Here are a few examples of buy in loans we support:

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Ambulatory Surgical Center (ASC)

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Dental Service Organizations (DSO) including endodontic and periodontal practices

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Primary Care Practices including family medicine, internal medicine, pediatrics, and more.

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Group Dental Practices

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Specialty Practices such as dermatology, gastroenterology, ophthalmology, and more

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Specialty Dental Practices including orthodontics, oral surgery, periodontics, pediatric dentistry, and more.

Loan Features:

Eligibility Requirements:

You are eligible to apply for a Practice Buy In Loan if you meet the following criteria:

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Borrower must be the owner of the shares being offered
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Borrower can be an Individual, LLC, Sub S corporation, C corporation or Trust.
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Are a U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
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Have a U.S. mailing address
Frequently Asked Questions

What may we help you with?

Search to find out more about our process.

Practice Buy In Loan

No – the loan may be paid-in-full at any time. 

The ASC will send the ownership distributions directly to the lender. Distributions are applied to the loan payment due (accrued interest/principal). If the distributions are greater than the loan payment, the borrower may have the option to prepay the loan or receive the overage personally via direct deposit.  

The interest rate will vary by loan. We offer competitive interest rates.  

There are two one-time fees (facility fee and legal fee). The fees are included in the loan amount (no out of pocket fees required).  

Physicians buy-in loans are for 5 years (20 quarterly payments of principal + accrued interest).  

Example: $100,000 loan will be divided into 20 quarterly payments of $5,000 (principal) + accrued interest.  

No – the loan is considered a commercial loan. We do not report loan balances to the credit reporting agencies. The credit report will note that we pulled your credit.  

No – unless the borrower is a legal entity in which the spouse has ownership.  

Yes, the borrower can be an LLC, Sub S corporation, C corporation or Trust. If borrowing as an entity, the individual physician will be required to sign a personal guaranty. 

The borrower must be who the ASC operating entity recognizes as the owner of the shares.