Funding requests reach Harbordale Lending Group two ways, the phone line and an online form. This page gives the phone number and office address and the questions to think through before calling.
Calling Harbordale About a Physician Office Credit Line in Bay City, MI
A physician office calling about a credit line can keep the first call short. Have rough answers ready to these:
- Roughly how much is billed and outstanding with payers right now.
- How long claims usually take to settle, and whether that has changed.
- The size of a typical payroll and how often it runs.
- Any existing lines, loans or leases and their monthly payments.
No documents are needed for that conversation. Records come later, when a funding partner names them.
First-Call Questions Harbordale Puts to a Medical Practice Owner
The first questions are about timing and purpose. What is the money for, and is it a one-time need or a recurring one? When will the receipts to cover it arrive? How long has the practice operated, and roughly what is its annual revenue? Those answers decide whether the conversation turns to a credit line, a working capital loan, an equipment loan or a term loan.
Calling About a Dental Office Expansion or Buy-In in Bay County, MI
For a dental expansion, have the equipment quotes and any build-out bid. For a buy-in, have the proposed price, the share being bought and the seller's timeline. Lenders financing a transition look at both practices, the one being bought into and the buyer's own record.
First-Call Questions for a Dentist, a Grocer or an Agency Owner
Dentists, grocers and agency owners each get a few trade-specific questions on top of the general ones:
- A dentist: the equipment quote, or the buy-in terms and the selling dentist's timeline.
- A grocer: the cooler or case quote, the size of wholesale orders and how often they arrive.
- An agency owner: the book being bought, its commission history and the purchase price.
Then send the form or call. Census counts for the office ZIP are on the Bay City, MI page.
By Harbordale Lending Group · Updated
