PROFITTHEORY

Find financing

Business financing starts with knowing the numbers.

Pick the situation closest to yours. Each guide explains how lenders look at it, what it costs and what to prepare — before you ever fill out a form.

Nationwide financing and market guides

Business financing across the U.S., with distinct local SBA and state resources for our first five metros.

Business loan FAQ

Plain answers on payments, APR, loan terms, DSCR and comparing offers, each linked to a calculator.

Loan fees and points calculator

Compare two offers: fees, all-in cost and effective APR.

Buy a business

Acquisition loans, down payment, seller notes and debt service coverage.

Dental practice financing

Acquisition, de novo, build-out, equipment and partner buy-ins.

Buy a dental practice

Acquisition loans, what lenders review and whether the practice can carry the debt.

Veterinary practice loans

Clinic acquisitions, new hospitals and equipment.

Optometry practice loans

Acquisitions, cold starts, optical and diagnostic equipment.

Medical practice loans

Physician and specialty clinic financing, rates and structures.

SBA 7(a) requirements

Plain-English guide to SBA-guaranteed loans.

SBA 504 loans

Bank + CDC + 10% equity for buildings and long-life equipment.

SBA Express loans

Smaller SBA loans with a faster SBA response.

Working capital

Lines of credit, term loans and the true cost of fast money.

Startup & new LLC

What's realistic before you have operating history.

Loan requirements

What lenders look for and how to apply.

New LLC loans

Real options when you have no operating history.

SBA eligibility

Documents, eligibility and the process.

SBA rates and fees

How rates, terms and fees are built.

SBA acquisition loans

Using an SBA loan to buy an existing business.

Equipment financing

Loans, leases and used equipment.

Medical & dental equipment

Imaging, chairs, lasers and more.

Secured loans

How collateral changes the deal.

Refinancing

When replacing debt makes sense.

Short-term loans

Know the true cost before you sign.

Lines of credit

Flexible working capital for timing gaps.

Due diligence checklist

What to verify before buying a business.

Seller financing

Seller notes and acquisition structures.

Merchant cash advance

Factor rates, true APR and cheaper options to compare first.

How to buy a dental practice

Diligence and financing roadmap.

How to sell a dental practice

Timeline and readiness checklist.

Veterinary transitions

Buying and selling a vet practice.

Optometry transitions

Optical, medical and inventory considerations.

Medical practice transitions

Acquisitions, buy-ins and credentialing.

Not in healthcare? We work across industries.

Construction, restaurants, professional services, manufacturing, retail, transportation, auto repair, franchises and more.

Your financing specialist

Your financing guide

A dedicated financing specialist builds your financing plan, prepares your lender-ready package and walks you through every step.

Talk with a financing specialist

Estimates only. Results vary. No guarantee of approval, rates or savings.

Profit Theory is not a lender. Providers make every credit decision; approval is never guaranteed. We may be paid when an introduction results in a funded loan.