Which funding structures can a physician consider?

Depending on the plan and lender, a physician may evaluate self-funding, conventional or SBA-backed lending, equipment financing, or a line of credit. Availability and suitability vary, and no option is guaranteed through Freedom Healthworks.

What should be ready before speaking with a lender?

A lender may request a business plan, launch budget, financial projections, ownership details, personal financial information, and supporting professional records. The lender provides the definitive application requirements.

When should financing work begin?

Begin capital planning before committing to a lease, construction scope, or equipment order. Application and funding timelines vary by lender and financing structure, so the launch calendar should not assume a fixed approval date.

Capital Planning for Physicians

Fund the launch with a plan, not a guess.

Q: Does Freedom Healthworks provide practice loans?

No. Freedom Healthworks does not make or approve loans. When financing is part of a launch plan, the team can coordinate introductions to third-party lenders familiar with physician practices. Each lender controls eligibility, underwriting, terms, timing, and approval.

Define the capital need from your location, build-out, equipment, operating runway, and conservative enrollment assumptions. When outside financing is appropriate, Freedom Healthworks can coordinate introductions to third-party lenders familiar with physician practices.

Request a Practice Consultation

Freedom's role

We help connect the launch plan and financial model to a lender conversation. We do not make loans or control underwriting, terms, timing, or approval.

Financing decisions remain between the physician and the third-party lender.

What should a physician prepare before seeking DPC practice financing?

Build the request from a practice-specific startup budget, conservative cash-flow model, owner funding, and contingency. Then compare lender-controlled eligibility, documentation, payment timing, collateral or guarantee requirements, fees, and total borrowing cost. Freedom Healthworks does not make or approve loans.

Size the request

Start with what the practice actually needs.

Startup capital

Lease deposits, build-out, technology, equipment, professional fees, and operating runway should be modeled together before a funding request is sized.

Equipment

Equipment may be financed separately when that structure fits the purchase and preserves working capital. Terms and collateral requirements come from the lender.

Working capital

A conservative enrollment scenario should determine the cash reserve needed while membership revenue develops.

Freedom's three planning scenarios model $55,000-$180,000+ in physician-funded startup capital, depending on space, build-out, equipment, staffing, and runway. These are planning models, not an industry-average claim.

Use the existing DPC startup-cost scenarios to structure the first budget, then replace every input with current quotes, signed obligations, and the practice's actual runway assumptions.

Before accepting capital

Keep the operating model and the debt obligation connected.

Model the need

Build the request from the actual location, launch scope, equipment plan, household runway, and conservative enrollment assumptions.

Prepare the package

Organize the business plan, projections, ownership information, and supporting documents requested by the lender.

Compare the obligations

Review payment timing, collateral, guarantees, fees, and total borrowing cost with the appropriate financial and legal advisers before accepting an offer.

Freedom Healthworks does not provide legal, tax, or financial advice. Use qualified advisers to evaluate a financing offer and its effect on your personal and practice obligations.

Practice financing questions

The planning assumptions, responsibilities, and lender boundaries to understand before applying.

Evidence standard

How to read this guidance.

This guidance separates Freedom Healthworks' capital-planning and lender-introduction role from lender-controlled eligibility, underwriting, documentation, terms, timing, and approval. Displayed startup capital is a Freedom planning scenario, not a funding recommendation or approval estimate.

Reviewed August 28, 2026. Educational planning guidance only. Freedom Healthworks does not make or approve loans or provide accounting, tax, financial, legal, or medical advice.

Primary references

Clarify the capital plan before the application.

We will review the practice model, launch scope, capital assumptions, and the decisions that should be settled before a lender conversation.