73% of physician practices report that inflexible payment terms make equipment upgrades harder than the purchase itself. Medical practice loans in Dayton address the unique cash-flow reality of healthcare businesses: insurance reimbursements arrive 30-90 days after service, payroll hits every two weeks, and diagnostic equipment can cost six figures.
Burnside Lending Group is a licensed commercial-loan broker, not a captive lender. That means we compare multiple funding sources to find the program and terms that fit your reimbursement rhythm. A hospital-employed physician launching an independent practice in Beavercreek faces different cash-flow patterns than an established dental group adding a second Kettering location. Direct lenders offer one menu; we present options across SBA 7(a) loans, equipment financing, business lines of credit, and medical receivables financing so you choose the structure that matches your revenue timing.
Premier Health and Kettering Health dominate the hospital landscape, but independent practices still anchor neighborhood care in Centerville, Fairborn, and Huber Heights. Many practitioners leave hospital employment to open solo or small-group clinics, yet traditional banks hesitate when accounts receivable make up most of the collateral and patient volume takes twelve months to stabilize. Dayton's aging population drives demand for primary care and specialty services, but lease build-outs in Dayton's older commercial stock and electronic health record systems require upfront capital before the first claim goes out.
Loan programs
SBA 7(a) loans work well for practice acquisitions or major build-outs because the guarantee reduces lender risk when hard assets are limited. Equipment financing spreads the cost of imaging systems, dental chairs, or surgical lasers across the useful life of the asset. Business lines of credit bridge the gap between service delivery and insurance payment, covering payroll and supplies when claims processing slows. Invoice factoring (medical receivables financing) converts outstanding claims into immediate working capital, a fit for high-volume practices with consistent payer mix. We also arrange working capital term loans when you need a lump sum for recruitment, marketing, or EHR upgrades.
Learn more about commercial business loans in Dayton or explore our full service areas.
A four-doctor veterinary practice in Moraine wanted to add a second surgery suite and hire an associate vet. Insurance reimbursement is faster in veterinary care, but client payment plans and CareCredit settlements still create 45-day lags. We arranged equipment financing for surgical equipment and a working-capital line to cover the new associate's salary during the ramp period. The blended structure let the practice preserve cash reserves while expanding capacity ahead of the summer wellness season.
We start by reviewing your accounts-receivable aging, payer mix, and growth timeline. Then we match you to lenders experienced in healthcare lending who understand that a 60-day collection cycle is normal, not a red flag. We coordinate documentation (profit-and-loss statements, claim reports, lease agreements) and negotiate terms that allow seasonal payment adjustments or interest-only periods during credentialing delays. Because we work across SBA 7(a), equipment financing, and receivables programs, you get a side-by-side comparison instead of a single take-it-or-leave-it offer.
Reach us at (937) 389-9513 or visit 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH to discuss physician practice loans and veterinary practice loans.
Serving the Dayton area
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