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Financial Services for Your Practice

Supporting Dentists, Optometrists, Physicians, and Veterinarians

We're here to help you take your next step

Whether you're preparing for ownership or planning for growth, practice loans are just one way we can help you achieve your goals.

Buy or Start a Practice

Practice Acquisition and Start-up Financing

We're here to help you prepare for ownership

Get a head-start with ownership

  • Existing office
  • Established practice team and patient base
  • Immediate cash flow

Practice acquisition loans can be used to fund:

  • Full practice buy-outs
  • Associate or partner buy-outs
  • Satellite locations

Request Financing Application

Define your business from the beginning

  • Practice services and operations
  • Locations, office design, and technology
  • Staff, vendors, and service providers

Practice start-up loans can be used to fund

  • Building and equipping a new practice facility

Request Financing Application


Features and Benefits

  • Competitive, fixed-rate loans with terms up to 10 years
    • Preferred pricing for ADA® members
  • Choice of repayment options
  • Working capital and line of credit options may help supplement cash flow
  • Personalized assistance with essential practice banking services
  • Complimentary planning tools to help you navigate the acquisition or start-up process
  • Milestone program for new owners

Not sure where to start?  

Get your Preparing for Ownership workbook or contact us to discuss your options.

Expand or Relocate Your Office

Expansion Financing

We're here to help you grow your practice

Expanding, upgrading, or relocating your facility may be a gateway to growth:

  • Expand or diversify services
  • Accommodate more patients
  • Add and develop staff

Expansion loans may be used to fund:

  • Leasehold/tenant improvements
  • Remodel of existing facility
  • Practice relocation

Features and Benefits

  • Competitive, fixed-rate loans with terms up to 10 years
    • Preferred pricing for ADA® members
    • Choice of repayment options
  • Working capital and line of credit options may help supplement cash flow
  • Personalized assistance with essential practice banking services

Request Financing Application

Purchase Equipment or Technology

Equipment Financing

We're here to help you deliver a better patient experience

Using current equipment and technology may help you maintain a competitive advantage:

  • Advance treatment capabilities
  • Increase clinical and operational efficiencies
  • Attract and retain talent
  • Leverage potential tax benefits1

Equipment loans may be used to fund:

  • Technology purchases and upgrades
  • Clinical and business equipment purchases

Features and Benefits

  • Competitive, fixed-rate loans with terms up to 10 years
    • Preferred pricing for ADA® members
    • Choice of repayment options
  • Working capital and line of credit options may help supplement cash flow
  • Personalized assistance with essential practice banking services

Request Financing Application

  1. Any discussion of legal, tax, or accounting matters herein (including any attachments) should not and may not be relied on by any recipient or reader. The recipient/reader should consult his/her attorney, tax adviser, and/or accountant for a statement of legal, tax, and/or accounting rules applicable to his/her particular situation and for all other legal, tax, and accounting advice. ↩

Purchase Commercial Real Estate

Commercial Real Estate Financing

We're here to help you build equity

Owning practice real estate may increase the short- and long-term financial rewards of your practice:

  • Increase equity position
  • Accommodate future space needs
  • Create potential to generate long-term revenue

Commercial real estate loan2 may be used to fund:

  • Building and condominium purchases
  • New construction (ground up or building renovation)
  • Existing debt refinancing

Features and Benefits

  • Loans up to $5,000,000 with competitive fixed and variable rates
    • Preferred pricing for ADA® members
    • Competitive fixed-rate loans with a variety of payment options
    • Terms up to 25 years
    • Conventional and Small Business Administration (SBA) 7(a) and 504 loans available
  • Streamlined loan process due to Wells Fargo's National Preferred SBA Lender status helps you save time
  • Line of credit may help supplement cash flow
  • Personalized assistance with essential practice banking services

Request Financing Application

  1. Commercial real estate financing is provided by Wells Fargo SBA Lending, subject to credit approval and SBA eligibility. ↩

Simplify Your Finances

Business Refinance Program3

We're here to help you optimize your practice

Consolidating practice debt may help improve cash flow:

  • Improve operational efficiency
  • Free up resources to invest in your practice
  • Potentially reduce monthly payments4
  • Simplify cash flow management

Business Refinance Program may be used for business debt consolidation only:

  • Business credit cards, practice acquisition and equipment loans, and trade lines of credit
  • Existing Wells Fargo debt and revolving credit are not eligible

Features and Benefits

  • Competitive, fixed rates with terms up to 10 years
    • Preferred pricing for ADA® members
  • Line of credit may help supplement cash flow
  • Personalized assistance with essential practice banking services

Request Financing Application

  1. Business Refinance Program is for business term debt only. Revolving credit and existing Wells Fargo Practice Finance debt are not eligible for consolidation. ↩

  2. Please remember that consolidation means you'll have one monthly payment for the combined debt, but it may not either reduce or pay your deft off sooner. ↩

Use Funds From Your Practice

Practice Equity Loan

We're here to help you take control of your future

Leveraging practice equity may be a convenient way to help advance growth:

  • Invest in practice expansion

Practice Equity Loan may be used to fund:

  • Leasehold/tenant building improvements
  • Practice technology and equipment upgrades
  • Transition events (e.g., partner buy-in)
  • Down payment or gap financing for commercial real estate purchase

Features and Benefits

  • Loans from $25,000 to $500,000 depending on practice value
    • Competitive fixed rates with terms up to 10 years
  • Preferred pricing for ADA® members
  • Line of credit may help supplement cash flow
  • Personalized assistance with essential practice banking services

Request Financing Application

Supplement Cash Flow

BusinessLine® Line of Credit

We're here to help you bridge the gaps

Having convenient access to cash may help you to manage the ebbs and flows practices periodically experience:

  • Cash flow fluctuations
  • Large practice expenditures

A Wells Fargo BusinessLine line of credit5 may be used for:

  • Capital improvements
  • Inventory purchases
  • Practice overhead
  • Growth opportunities

Features and Benefits

  • Unsecured, revolving line of credit up to $100,000
  • Fast and easy application process
  • Competitive annual fee and rates
  • No cash advance fees
  • Multiple ways to access cash
    • MasterCard® access card can be used anywhere MasterCard is accepted
    • Free personalized BusinessLine checks, with no access fees
    • Phone
    • ATM
    • Online transfers

Want to learn more about lines of credit?  

Refer to Four differences between a business line of credit and loan and Using a line of credit as working capital to learn more.

Request Financing Application

  1. Lines of credit cannot be used to make payments on Wells Fargo accounts. ↩

Manage Your Business

Wells Fargo Banking Services

We're here to help you build a healthy practice

Running a practice is a lot like performing surgery. For a successful outcome, your tools, systems, and team need to be ready when and where you need them. Wells Fargo's full complement of banking services can help you run your practice like a well-equipped treatment room.

Financial products and services for healthcare practices include:

  • Business checking and savings
  • Business credit card
  • Credit card processing
  • Payroll services
  • Patient financing

Our Practice Finance specialists can provide options so you can determine the right fit for your practice.

Contact Us

Ready to move forward?

Learn more about how we can help you achieve your professional goals and get to know us a little better. Being prepared isn't always easy, but these seven steps can help: Seven Steps to Take Before Getting a Business Loan.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

ADA® is a registered trademark of the American Dental Association. ADA Member Advantage℠ is a service mark of the American Dental Association. ADA Member Advantage is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

ADA® is a registered trademark of the American Dental Association. ADA Member Advantage℠ is a service mark of the American Dental Association. ADA Member Advantage is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association.

All financing is subject to credit approval.

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