Common Financing Needs for Healthcare Practices

Equipment financing — dental chairs, imaging equipment, diagnostic devices, physiotherapy tools, laser systems, sterilization equipment, and clinical technology. Healthcare equipment holds significant resale value — strong collateral for equipment lenders.

Practice buildout and renovation — fitting out a new clinic location or renovating an existing space. These are significant capital expenditures suited to term financing with longer repayment periods.

Working capital — managing the gap between services rendered and insurance or OHIP remittance payments. Healthcare practices often wait 30-90 days for payment on services already delivered.

Practice acquisition — purchasing an existing practice from a retiring practitioner. Requires structured deal financing with the practice's patient base and revenue as the primary valuation driver.

Expansion capital — opening a second location, adding new service lines, or hiring additional practitioners ahead of revenue growth.

How Healthcare Revenue Models Affect Financing

Healthcare practices operate on revenue models that differ from most businesses — a mix of fee-for-service, insurance billing, OHIP remittances, and increasingly private pay. Lenders who don't understand this pattern often misread the cash flow, creating unnecessary friction in the application process.

Abria presents healthcare practice financials in a format that explains the revenue cycle clearly — separating billing from collection, accounting for remittance timing, and demonstrating true practice profitability in terms a lender can assess accurately.

Practices We Work With

Family medicine clinics, dental offices (general and specialty), physiotherapy and rehabilitation practices, chiropractic clinics, optometry practices, medical aesthetics and cosmetic practices, veterinary clinics, and mental health and counselling practices across Ontario and Canada.

Healthcare practice looking for financing?

Abria works with medical and dental practices across Ontario. Free assessment — we understand how healthcare revenue models work and structure applications accordingly.

Apply Now →  Equipment Financing

Frequently Asked Questions

Can medical and dental practices get business financing in Canada?
Yes. Medical and dental practices can access equipment financing, practice acquisition loans, working capital, and expansion financing through banks, credit unions, and specialized healthcare lenders. Healthcare practices often qualify for better terms than general businesses because equipment holds value well and practice revenue is predictable.
How do I finance a dental practice acquisition in Canada?
Dental practice acquisitions are typically financed through a combination of term financing and working capital. The practice's patient base, billing history, and EBITDA are the primary valuation drivers. Banks and specialized healthcare lenders are most familiar with this structure. Abria helps prepare the acquisition financing package and identifies the right lender channel.
Can a new medical clinic get financing in Canada?
Yes, though startup healthcare practices face the same challenges as any startup — limited operating history means lenders rely more heavily on the practitioner's credentials, business plan, and financial projections. Government-backed programs like the CSBFP can help with equipment and leasehold financing for new clinics.