In-House vs Bank Financing
Seller financing or bank loan? Each option offers different benefits for practice buyers.
Financing Comparison
| Factor | Seller Finance | Bank Loan |
|---|---|---|
| Interest Rate | 5-8% | Prime + 2-4% |
| Approval Speed | Fast | Slow (60-90 days) |
| Down Payment | Negotiable | 10-20% |
| Qualification | Flexible | Strict |
| Seller Risk | High | None |
Seller Financing Benefits
- Faster closing
- Flexible terms
- Lower closing costs
- Easier qualification
Bank Loan Benefits
- Lower rates
- Clean separation
- Longer terms
- No seller dependency
Conclusion
Seller financing enables deals when bank loans fail. Bank loans offer better rates and clean separation. Combine both for optimal structure.
Financing strategy? Contact DentalBridge.