A Working Capital Loan provides your practice the cash it needs to keep growing until you can cover all operating expenses out of revenue. Even in this tough credit environment, 1st Med Financial is the premier source of working capital for professional practitioners. A Working Capital Loan is the perfect program for the practitioner that needs cash quick. A very popular option, the Working Capital Program gives you the flexibility to use the funds when and where you need them most.

A Working Capital can be used for the following:

  • Remodel or Expand your practice
  • Hire Employees For Growth
  • Bridge The Gap Between Receivables
  • Purchase Equipment
  • Unexpected Cash Flow Needs

In order for your practice to meet the eligibility requirements for a Working Captial Loan, the Loan-To-Value ratio must be below 85% with sufficient debt service coverate ratio. This means that the cash flow from the practice should be able to cover the practice debt needs as well as the doctors personal debt needs.

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Program Highlights

  • 640 minimum credit score
  • Loan amounts from $50k to $500K
  • Adjustable & Fixed Interest Rate Options
  • Interest rates start at prime + 2.75 (Currently 8.25%)
  • Low down payment - Up to 100% financing available
  • Up To 10 year terms


Use of Proceeds

  • Working Capital - up to $500K


  • Working Capital
    • SBA Express Loan Up To $350K
    • 5, 7, & 10 Year Terms
    • Intereste Rates from Prime + 2.75%

Loan Proposal Issued In 24-48 Hours Guaranteed!

At 1st Med Financial, we pride ourselves on guiding each client through the often challenging and confusing process of Dental Practice Financing. Our Dental Practice Loan Specialists have over 35 years of combined lending experience and will work with you to evaluate the financial feasibility of the opportunity you are considering.

To speak with one of our practice financing specialists and learn more about the SBA 7(a) Loan program, call us TOLL FREE at 800-318-7125 or click here to get started online.

What Our Clients Have To Say

  • 1st Commercial Lending helped me in finding the best terms that I was able to get from any lender, and then saw the process through all the way to closing the deal, capably answering all of my questions and concerns along the way.

    Of all of the lenders that I came across in this search, I found David to be the most knowledgeable and resourceful; he had thorough knowledge of his industry.

    If you have a need for financing the purchase of an agency I would highly recommend that you put 1st Commercial Lending on the "short list" of lenders that you need to give strong consideration to working with.

    Ron Tinnerman - Tinnerman Ins. Agency

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