Financial Services for Your Practice

Practice Acquisition and Start-up Financing

We're here to help you prepare for ownership

• Buy a practice
• Start a practice

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

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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

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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
  • 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

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
  • 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

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
  • 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

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
• Line of credit may help supplement cash flow
• Personalized assistance with essential practice banking services

Request Financing Application

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
• Line of credit may help supplement cash flow
• Personalized assistance with essential practice banking services

Request Financing Application

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

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

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.

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