Medical practice loans in Athens fund equipment purchases, bridge insurance-reimbursement gaps, cover payroll during seasonal patient dips, and finance expansions. Hazelcrest Group brokers SBA 7(a) loans, working capital lines, equipment financing, and medical receivables financing for physicians, dentists, veterinarians, and allied-health practices across Athens, Watkinsville, Bogart, and nearby communities.
Physician practices and veterinary clinics in Athens face cash-flow timing problems that retail businesses don't. Insurance reimbursements lag 30 to 90 days. UGA student populations swing seasonally, creating revenue valleys between semesters. Equipment costs run high: a digital X-ray system or anesthesia machine can hit six figures. Many banks hesitate because they don't understand medical receivables or the regulatory burden practices carry.
We broker capital that matches the reimbursement cycle. An SBA loan for medical practice expansion gives you ten years to repay at fixed rates. Medical receivables financing advances cash against outstanding insurance claims within days, not months. Equipment financing spreads the cost of that new ultrasound or autoclave across its useful life. Working capital lines smooth over the summer enrollment drop when student-health visits plummet.
Loan programs
SBA 7(a) loans work for buying a building on Baxter Street, acquiring another practice, or remodeling your Watkinsville clinic. Terms stretch to 25 years for real estate, which keeps monthly payments manageable even when patient volume wobbles.
Medical receivables financing turns unpaid claims into immediate operating cash. You submit invoices; the lender advances 70 to 90 percent within 48 hours. When the insurer pays, the advance settles and you receive the remainder minus a fee.
Equipment financing covers diagnostic machines, dental chairs, surgical lasers, and veterinary imaging systems. The equipment itself secures the loan, so approval odds rise even if your practice is young.
Working capital lines and term loans bridge payroll, supply orders, and marketing pushes when collections slow.
We pull your financials, understand your payer mix, and match you to lenders who know healthcare cash flow. One broker call replaces a dozen bank visits. We handle the SBA paperwork, explain which receivables programs accept Medicare and Medicaid claims, and find equipment lenders who won't balk at veterinary practice loans for a Bogart animal hospital.
Local scenario: A three-physician family practice in Winterville needed $180,000 to add two exam rooms and hire a nurse practitioner before the fall UGA rush. Traditional banks wanted two years of post-expansion projections. We brokered an SBA 7(a) loan using existing patient volume and the Athens market's steady demand. The expansion opened in July; patient visits rose 40 percent by September.
Call (706) 963-2915. Office: 1551 Jennings Mill Rd, Bogart, GA 30622, Athens, GA. We serve Athens, Hull, Colbert, Nicholson, Arnoldsville, Crawford, and the wider Athens service area.
Serving the Athens area
We know which lenders fund which kinds of Athens businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Why Athens owners trust Hazelcrest Group
Talk to a local advisor and get matched to the right program, no obligation.
