SBA Healthcare Practice Loans
Flexible Financing for Dental, Medical, Veterinary, Optometry & Pharmacy Acquisitions

When the Deal Makes Sense — We Find a Way to Finance It

Healthcare is one of the most consistent, proven sectors in SBA lending. Demand is steady, revenue is often recurring, and lenders understand the space.

But not every healthcare deal fits neatly into a conventional bank’s box.

You might be looking at a strong practice where:

• Cash flow needs to be properly adjusted

• The structure includes a partner buy-in or seller carry

• Expansion is part of the plan

• Or the numbers make sense in reality—but not on paper

That’s where SBA 7(a) financing becomes the right tool.

At Elias Partners, we focus on structuring healthcare acquisitions and expansions that actually work, not just submitting loans and hoping for approval.

What We Finance

We work across the core healthcare verticals that consistently perform well with SBA lenders:

Dental Practices
From single-doctor offices to multi-location groups, dental remains one of the most financeable business models due to strong margins and patient retention.

Medical Practices
Primary care, specialty clinics, and outpatient models with insurance-backed revenue and long-term patient demand.

Veterinary Clinics
A growing sector with loyal client bases, recurring visits, and strong performance across both general and specialty practices.

Optometry Practices
A unique blend of healthcare and retail, combining exams with high-margin optical sales and repeat customer cycles.

Pharmacies
Independent and specialty pharmacies driven by recurring prescription demand and consistent, necessity-based revenue.

Why SBA 7(a) Works for Healthcare

Conventional financing works best when a deal is clean, simple, and fits standard ratios.

SBA is different.

It allows us to look at the business the way an operator would—not just how it appears on a tax return.

With SBA financing, we can:

• Adjust for owner add-backs and true cash flow

• Structure deals with as little as ~10% down

• Incorporate seller financing when appropriate

• Support expansion with a forward-looking approach

• Navigate more complex ownership or transition scenarios

In short, SBA gives us the flexibility to structure the deal around reality, not just rigid guidelines.

A Real-World Example

Consider a typical healthcare acquisition:

• Purchase price: $800,000

• Net income: approximately $330,000

• Debt service: around $120,000 annually

That leaves roughly $200,000 in cash flow after debt service.

Even after investing in staff or growth, the buyer is stepping into a business that pays them while building long-term equity.

How We Approach Healthcare Deals

Most lenders start with credit and collateral.

We start with cash flow and structure.

Our role is to:

• Understand how the practice actually performs

• Present the deal in a way lenders can approve

• Align you with the right SBA lending partners

• Structure terms that make sense after closing—not just at approval

We’ve worked across healthcare transactions ranging from straightforward acquisitions to more layered, multi-party structures.