Funding for healthcare professionals

Funding for healthcare professionals

Are you a dentist, liberal nurse, doctor or pharmacist? To carry out your activity with complete peace of mind, you must finance very specific needs . Buy your medical equipment, your professional vehicle, your furniture or even your software thanks to the new participatory loan solution.

Health professionals, in France

In 2014, INSEE listed no less than 1,175,000 healthcare professionals in France, including 355,000 people from the medical and pharmaceutical professions and 820,000 medical auxiliaries. Among these professionals, 400,000 were in private practice, including many nurses, midwives, veterinarians and speech therapists.

Healthcare professionals and their needs

On a daily basis, healthcare professionals have specific needs, such as:

• The financing of the installation : from the buyout of customers, through the development work, renovation and the purchase of medical equipment

• The acquisition or modernization of premises : to afford a new workplace, more spacious, more pleasant or to arrange it differently

• Cash management : Social security payment delay or occasional drop in activity.

• Simplifying your collections : by adopting modern solutions for faster and easier processing

• Financing your professional vehicle : An essential tool for visiting patients.

MAYOR NICOLAS borrowed $ 20,000 over 24 months
Funds were paid within 1 hour

What bank loans for health professionals?

To finance their projects, different types of credits are available to health professionals, such as:

• Leasing : It is a very simple loan solution, taken out to finance new goods. With leasing, you have the advantage of not depreciating your property and of deducting all rents for tax purposes. An interesting option for your projects (Example: dental chair, pharmacy automatons, scanners).

• The overdraft facility : You have an envelope in the event of a cash flow lag, in the event of late payment, recall of charges, or even in the event of a drop in activity.

• Medium and long term loans : They will only be used by banks for the purchase of business assets etc.

Professional healthcare funding: what other alternatives?

Bank credit is, of course, a good option. But today, in a context of crisis, banking establishments are more and more cautious. As a result, many professionals, especially in the health sector, experience refusals, including for small sums.

Another solution, for professionals, that of self-financing. It is a question, here, of drawing on its own funds. But here, the financial structure is weakened.

Finally, the alternative of leasing also has something to seduce. Renting rather than buying allows you to have equipment that is always new and in perfect working order. Now, for example, you can rent clean work coats, flooring or computer equipment. But for now, leasing remains relatively expensive and does not cover all the needs of healthcare professionals.