Healthcare businesses often balance payroll, equipment, acquisitions, reimbursement cycles and regulatory operating costs at the same time. Sierra Capital Advisory helps established healthcare companies evaluate commercial financing structures aligned with their cash flow, assets and growth plans.
Healthcare Businesses We Can Evaluate
- Medical and specialty practices
- Dental practices and dental groups
- Home healthcare and personal-care companies
- Pharmacies and healthcare distributors
- Behavioral-health providers
- Medical laboratories and diagnostic businesses
- Healthcare staffing companies
Common Uses of Healthcare Financing
- Working capital and payroll support
- Medical and dental equipment
- Practice acquisition or partner buyout
- New locations, renovations and buildouts
- Technology and practice-management systems
- Receivables and reimbursement-cycle financing
- Refinancing existing business obligations
Potential Financing Structures
Depending on the business, transaction and documentation, potential structures may include business term loans, lines of credit, equipment financing, SBA programs, invoice or receivables financing, private credit and commercial real-estate financing.
What Underwriters Commonly Review
- Business and personal credit information
- Bank statements and financial statements
- Provider concentration and reimbursement mix
- Accounts-receivable aging
- Existing debt and payment obligations
- Licensing, ownership and entity documentation
- Equipment quotes, acquisition documents or use-of-funds detail
Financing Should Match the Revenue Cycle
A healthcare business with delayed insurance reimbursements may require a different structure than a dental practice purchasing equipment or a medical group acquiring another location. Sierra compares the proposed repayment structure with the actual timing and reliability of business cash flow.
Review equipment financing, receivables financing, business term loans and other commercial financing programs.