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Maximizing Exit Value for Physicians & Entrepreneurs Through Sell-Side M&A Advisory
Copyright © 2025, All Rights Reserved. SamiCapital.co
Maximizing Exit Value for Physicians & Entrepreneurs Through Sell-Side M&A Advisory
Most acquisitions are funded using a *mix of bank financing, seller financing, and buyer equity. The majority of healthcare buyers finance **70–85%* of the purchase price, with a smaller down payment or equity contribution covering the rest. In some cases — when cash flow, collateral, and structure align — deals can be *100% financed*, but that’s the exception, not the rule.
1. SBA 7(a) or Conventional Bank Loans* – Up to 80–90% financing for qualified buyers.
2. Seller Financing* – The seller carries 10–30% of the price through a promissory note.
3. Earnouts* – Additional payments tied to future performance.
4. Private or Investor Equity* – Family offices, search funds, or physician investors supply capital.
5. Revenue-Based or AR Financing* – Using collections or receivables to secure loans.
6.Equipment or Real-Estate-Backed Loans* – Collateralized funding for asset-heavy operations.
Seller financing can bridge valuation gaps, speed up closing, and signal confidence in the business’s continuity. Sellers benefit from earning interest, deferring taxes, and ensuring a smoother handoff.
* Credit score of *680+*
* Healthcare or management experience.
* Debt-service coverage ratio (DSCR) of *1.25× or greater*
* Proven historical cash flow.
* Clean compliance and billing history.
Yes. Many physician investors and search funders partner with *private investors or family offices* for partial equity funding. This approach reduces personal guarantees and allows for more aggressive scaling.
For physicians or search funders new to ownership, *80% financing* is generally ideal. It allows meaningful leverage while keeping debt service manageable. Over-leveraging (100%) can strain operations early on if cash flow dips or reimbursements fluctuate.
* Established practices with stable cash flow
* Outpatient care, telehealth, or diagnostic businesses with predictable revenue
* Practices with Medicare or diversified payor mixes
* Businesses with strong management continuity
Loan interest is typically *tax-deductible*, and assets can be depreciated or amortized over time. Seller notes also create tax deferral benefits for sellers, which can improve deal terms.
Start with a *pre-qualification review*. SamiCapital partners with lenders to analyze your financial profile, industry experience, and target criteria. We’ll help determine your borrowing capacity and ideal deal size.
We act as your *strategic financial quarterback* — designing the optimal capital stack, introducing lenders or investors, negotiating terms, and guiding diligence. Our expertise blends medicine, finance, and deal execution.
Sami Capital helps you transition, integrate, and optimize your new business. Through our *Virtual Family Office*, we assist with bookkeeping, tax strategy, and reinvestment planning to help your acquisition compound wealth over time.
(847) 606-7950
[email protected]
33 West Higgins Road, Suite 5040 South Barrington, IL 60010
This message highlights a potential healthcare practice opportunity. It is not an offer to sell or a solicitation to buy securities.
To protect the interests of all parties, we share only limited details at this stage. Complete information—including financials and operational insights—will be provided exclusively to qualified buyers after signing a standard Non-Disclosure Agreement (NDA).
At SamiCapital.co, we make the M&A process straightforward, confidential, and value-driven. Whether you’re a seller looking to maximize the outcome of your life’s work, or a buyer seeking the right healthcare opportunity, our team ensures a smooth, professional, and rewarding transaction.
If you’re ready to explore next steps, let’s connect.