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Thinking about taking out a loan to grow your independent clinic? It can feel like a shortcut to success but in my experience, loans are double-edged: they can catapult you forward… or accelerate the path to failure. That’s why it pays to pause and really weigh your options before signing on the dotted line.

In this episode, I answer a listener's question about using a small business loan for marketing and website upgrades. Drawing on my background in lending, startup funding, and helping physicians build sustainable practices, I break down:

• The three scenarios where a loan truly makes sense
• Critical questions you need to ask before borrowing
• Smarter approaches to patient growth before reaching for debt
• How a lean startup approach helps you test assumptions without overspending

If you've ever wondered whether debt is the right tool for your practice—or just a costly distraction—this episode will help you make smarter, more strategic financial decisions.

Tune in now to learn how to use debt wisely, avoid common traps, and grow your clinic with confidence!

References

Download my free guide 6 Steps to Opening a Clinic here!

Book a free discovery call today

Audio Stamps

[00:50] Listener Question About Business Loans: A direct care clinic owner asks about borrowing money for marketing.

[02:40] Why Not All Loans Are Smart: Amanda's early lesson about steering people away from risky debt, even when loans were easy to get.

[07:10] When Borrowing Makes Sense: Loans work best when you're scaling something that already works—not fixing a broken business model.

[08:30] Three Good Reasons to Borrow: Working capital for big orders, managing seasonal cash flow, and expanding when you've hit your limits.

[11:03] Start Small and Test First: Amanda recommends building a basic clinic version to test your ideas before making big investments.

[12:37] Key Questions Before A Loan: Amanda walks through what she'd ask the listener before recommending they borrow money.

[14:57] Breaking Down the Real Numbers: Amanda's example of how many new patients you'd actually need to pay back a marketing loan.

[16:48] Test Before You Invest: Why running small experiments and improving current referrals beats borrowing for unproven strategies.

To work with Amanda Sabicer or find out more, check out her website at www.amandasabicer.com.