Case Studies
Ambulatory Surgery Center Expansion
Business Type: Multi-specialty ambulatory surgery center
Borrower Position: Managing partner
Loan Type: Bridge loan
Loan Amount: $1,250,000
Cash Flow / Financing Problem:
The center had committed to a second procedure room, but permanent financing wouldn’t close before contractor deposits, equipment deliveries, and licensing costs were due.
Financing Solution:
A bridge loan covered the short-term project costs while the center completed the requirements for longer-term financing.
Result:
The ASC kept construction on schedule, paid key vendors, and avoided using the cash reserved for payroll and daily operations.
Dental Practice Acquisition
Business Type: Eight-location dental group
Borrower Position: DSO operator
Loan Type: Bridge loan
Loan Amount: $2,100,000
Cash Flow / Financing Problem:
The group had an opportunity to acquire two profitable practices, but the seller required a faster closing than the permanent lender could support.
Financing Solution:
A bridge loan funded the acquisition while the borrower completed the underwriting process for a longer-term facility.
Result:
The group closed within the seller’s timeline, retained the clinical teams, and continued operating the acquired locations during the refinancing period.
Medical Office Building Purchase
Business Type: Multi-provider orthopedic practice
Borrower Position: Physician ownership group
Loan Type: Bridge loan
Loan Amount: $3,400,000
Cash Flow / Financing Problem:
The practice’s leased facility was being sold, and the physicians needed to purchase the property quickly to avoid relocation and patient disruption.
Financing Solution:
A bridge loan supported the time-sensitive purchase while the group completed permanent commercial real estate financing.
Result:
The practice stayed in place, maintained its surgical schedule, and avoided the cost of moving into temporary space.
Specialty Practice Growth
Business Type: Multi-location cardiology group
Borrower Position: Managing physician
Loan Type: Term loan
Loan Amount: $850,000
Cash Flow / Financing Problem:
The group was opening a new office and hiring clinical staff before the location’s patient volume and insurance collections reached steady levels.
Financing Solution:
A term loan funded buildout costs, recruitment, equipment, and early operating expenses through a fixed repayment schedule.
Result:
The group opened the location without draining reserves from its established offices and gave the new site time to build consistent revenue.
Revenue-Cycle Stabilization
Business Type: Regional behavioral health organization
Borrower Position: Founder and chief executive
Loan Type: Term loan
Loan Amount: $675,000
Cash Flow / Financing Problem:
Rapid provider growth created higher payroll and administrative costs while credentialing delays slowed insurance collections.
Financing Solution:
A term loan provided structured funding for payroll, credentialing support, billing improvements, and operational expenses.
Result:
The organization kept providers on staff, corrected billing delays, and protected patient access while collections caught up.
Hospital Vendor Consolidation
Business Type: Independent community hospital
Borrower Position: Chief financial officer
Loan Type: Term loan
Loan Amount: $2,750,000
Cash Flow / Financing Problem:
The hospital had several high-cost vendor obligations with short repayment periods that were putting pressure on monthly cash flow.
Financing Solution:
A term loan refinanced the obligations into one fixed payment structure that better matched the hospital’s operating cash flow.
Result:
The hospital reduced near-term payment pressure, kept suppliers current, and preserved cash for staffing and patient-care expenses.
Owner-Occupied MedSpa Facility
Business Type: Multi-location medical spa
Borrower Position: Founder and medical director
Loan Type: Commercial real estate financing
Loan Amount: $1,600,000
Cash Flow / Financing Problem:
The MedSpa had outgrown its leased space and needed a larger location for treatment rooms, training, and administrative staff.
Financing Solution:
Commercial real estate financing funded the purchase of an owner-occupied facility and supported planned property improvements.
Result:
The owner gained control of the location, added treatment capacity, and replaced rising lease costs with a structured property payment.
Veterinary Hospital Property Acquisition
Business Type: Emergency veterinary hospital
Borrower Position: Practice owner
Loan Type: Commercial real estate financing
Loan Amount: $2,300,000
Cash Flow / Financing Problem:
The hospital needed a larger facility for overnight care, surgical suites, and diagnostic equipment, but leasing suitable space would’ve required major tenant improvements.
Financing Solution:
Commercial real estate financing supported the purchase and renovation of an owner-occupied medical property.
Result:
The hospital expanded clinical capacity, added overnight services, and kept working capital available for staffing and equipment.
Outpatient Imaging Facility
Business Type: Independent diagnostic imaging center
Borrower Position: Managing member
Loan Type: Commercial real estate financing
Loan Amount: $4,200,000
Cash Flow / Financing Problem:
The center’s landlord planned to redevelop the property, creating a deadline to secure a new location without interrupting patient appointments.
Financing Solution:
Commercial real estate financing funded the purchase and buildout of a replacement facility designed for imaging equipment and patient flow.
Result:
The center moved into a permanent location, maintained referral relationships, and avoided tying up operating cash in the property purchase.
Skilled Nursing Facility Acquisition
Business Type: Skilled nursing and rehabilitation operator
Borrower Position: Operating partner
Loan Type: Bridge loan
Loan Amount: $5,500,000
Cash Flow / Financing Problem:
The operator had an opportunity to acquire an underperforming facility with strong occupancy potential, but the property needed immediate staffing, compliance, and building improvements.
Financing Solution:
A bridge loan funded the acquisition and early transition costs while the operator prepared the property for permanent financing.
Result:
The borrower completed the acquisition, stabilized staffing, addressed priority repairs, and kept transition costs separate from normal operating cash.
Oncology Practice Expansion
Business Type: Regional oncology practice
Borrower Position: Physician ownership group
Loan Type: Term loan
Loan Amount: $1,900,000
Cash Flow / Financing Problem:
The practice was adding an infusion location that required clinical hiring, inventory, technology, licensing, and several months of operating support before collections matured.
Financing Solution:
A term loan funded the launch costs through a repayment schedule aligned with the practice’s projected revenue growth.
Result:
The group opened the location, maintained drug and supply purchasing, and preserved the reserves supporting its existing clinics.
Urgent Care Property Purchase
Business Type: Six-location urgent care group
Borrower Position: Founder and chief executive
Loan Type: Commercial real estate financing
Loan Amount: $3,750,000
Cash Flow / Financing Problem:
The group wanted to purchase a high-traffic property for a new flagship center, but the project also required extensive medical buildout and parking improvements.
Financing Solution:
Commercial real estate financing supported the property purchase and qualified improvement costs.
Result:
The group secured the location, expanded patient capacity, and kept operating funds available for recruitment, supplies, and launch marketing.