Capital for Your Practice. Strategy for Your Future.

Elite Physicians Wealth Planning helps physicians and medical practice owners evaluate and obtain commercial financing through traditional and SBA lending solutions.

Our approach goes beyond simply finding a loan.

We help you evaluate how financing affects your practice, personal cash flow, retirement strategy, and long-term wealth plan.

Our commercial lending capabilities can assist physicians and healthcare business owners with a wide range of financing needs.

• Practice Acquisition Financing

  Whether you are purchasing your first practice, buying an established medical office, or acquiring another physician’s book of business, we help evaluate financing alternatives that may support the acquisition.

  Financing may include funds for:

  • Purchase of the practice
  • Equipment
  • Furniture and fixtures
  • Working capital
  • Leasehold improvements
  • Certain acquisition-related expenses

• SBA 7(a) Financing

  SBA 7(a) financing may provide eligible businesses with financing for a variety of purposes.

  Potential uses include:

  • Business acquisitions
  • Working capital
  • Equipment
  • Real estate
  • Expansion
  • Refinancing eligible business debt
  • Partner buyouts
  • Practice acquisitions

  Eligibility, loan structure, collateral requirements, guarantees, pricing, and approval are determined by participating lenders and applicable SBA requirements.

• SBA 504 Financing

  For physicians considering the purchase or development of owner-occupied commercial property, SBA 504 financing may be an option.

  Potential uses may include:

  • Medical office buildings
  • Dental offices
  • Ambulatory facilities
  • Professional office space
  • Major equipment
  • Certain construction and renovation projects

• Commercial Real Estate Financing

  Should you continue leasing your office or purchase your own medical building?

  For many physicians, this is both a business decision and a wealth-building decision.

  We help evaluate financing for:

  • Medical office buildings
  • Professional office buildings
  • Owner-occupied facilities
  • Expansion properties
  • Practice relocation
  • Construction or renovation

  The analysis can also be coordinated with your broader financial plan to evaluate liquidity, debt exposure, retirement goals, and long-term asset accumulation.

• Equipment Financing

  Modern medical practices can require substantial investment in technology and equipment.

  Financing solutions may be available for:

  • Medical equipment
  • Diagnostic equipment
  • Dental equipment
  • Technology
  • Office equipment
  • Specialized practice equipment

  The objective is to determine whether financing, leasing, or using available capital is most appropriate for the practice.

• Lines of Credit & Working Capital

  Even profitable practices can experience timing differences between services performed and cash received.

  Working-capital financing may help address:

  • Payroll
  • Insurance reimbursement delays
  • Expansion
  • Seasonal cash-flow fluctuations
  • Marketing
  • New staff
  • Inventory and supplies
  • Practice improvements
  • Temporary operating needs

• Partner Buy-In and Buyout Financing

  Medical practices frequently experience changes in ownership.

  We can help physicians evaluate financing related to:

  • Buying into an existing practice
  • Purchasing another physician’s ownership interest
  • Financing a retiring partner’s buyout
  • Ownership restructuring
  • Succession planning

  These transactions should also be coordinated with valuation, tax, legal, retirement, and insurance considerations.

• Debt Refinancing

  Existing debt may no longer be appropriate for the practice.

  Depending on the circumstances, refinancing may help:

  • Improve cash flow
  • Consolidate obligations
  • Adjust repayment terms
  • Restructure business debt
  • Replace short-term financing
  • Better align debt with business assets

  Refinancing should be evaluated carefully because a lower monthly payment does not automatically mean a better financial outcome.

• Business Expansion Financing

  When the time comes to grow, capital may be needed to:

  • Open another location
  • Add physicians
  • Add employees
  • Renovate an existing office
  • Purchase equipment
  • Expand service lines
  • Acquire another practice
  • Increase working capital

  We help evaluate the financing need before approaching potential lending sources.

• 1. Understand the Objective

  What are you trying to accomplish?

  Acquire a practice? Purchase a building? Expand? Buy equipment? Improve cash flow?

• 2. Evaluate the Financial Picture

  We review relevant business information such as:

  • Revenue
  • Profitability
  • Cash flow
  • Existing debt
  • Credit
  • Collateral
  • Ownership
  • Use of proceeds

• 3. Evaluate Financing Alternatives

  We help identify commercial and SBA financing alternatives that may be appropriate for the transaction.

• 4. Prepare for the Lending Process

  A well-organized financing request can make the process more efficient.

  Depending on the financing, lenders may request information such as:

  • Business tax returns
  • Personal tax returns
  • Financial statements
  • Debt schedules
  • Personal financial statements
  • Business plans or projections
  • Purchase agreements
  • Property information
  • Practice financial information

• 5. Coordinate the Transaction

  Where appropriate, we coordinate with the physician’s:

  • CPA
  • Attorney
  • Practice consultant
  • Lender
  • Insurance professional
  • Other advisors

• 6. Integrate the Financing Into the Financial Plan

  Closing the loan is not the end of the planning process.

  We evaluate how the financing affects:

  • Personal cash flow
  • Practice cash flow
  • Insurance needs
  • Retirement contributions
  • Investment strategy
  • Business succession
  • Long-term wealth