PLS: How do I finance my professional credit?

SOFIPROS: Your Partner to Facilitate the Financing of Your Professional Project

When you dedicate yourself to the medical profession with passion and dedication, every step of the journey is precious. Among the challenges to be met, financing your professional project occupies a crucial place. This is where SOFIPROS comes in to support you with humility and expertise, reducing the financial burden to allow you to focus on what matters: your patients and your care.

Understanding the Complexities of Professional Financing

SOFIPROS is here to help you demystify the twists and turns of professional financing. Whether it's navigating banking offers, juggling interest rates or deciphering insurance contracts, our role is to simplify these complex procedures. We support you, guiding you through financial choices in order to give you the peace of mind you need to concentrate on your care activities.

A Helping Hand in the World of Finance

SOFIPROS does not just negotiate financial contracts. We are here to offer you caring support at every stage of your professional project. Our dedicated team, with in-depth knowledge of the medical field, is committed to finding solutions tailored to your specific needs.

Real Savings at Your Fingertips

We believe in the value of financial efficiency. This is why we carefully compare the banks' insurance proposals with those of our selected partners. You will be surprised to discover that our partners' insurance contracts can save you substantially, up to two to three times compared to equivalent bank offers.

A Global Approach to Financing

At SOFIPROS, we approach financing holistically. Beyond simple loans, we consider your entire financial situation. We understand that managing risk, planning for the future and securing your operations are essential to your success. Our humble contribution consists of supporting you in putting these elements in place so that you can continue your activities with peace of mind.

Reasoned Strategies for Ambitious Projects

In the case of major projects, with significant financial stakes and extended durations, SOFIPROS humbly places itself at your service as an advisor. We negotiate advantageous conditions for you, we seek to optimize your investments and relieve you of the financial burden. This way, you can concentrate on your primary vocation: providing care and bringing well-being to your patients.

As a healthcare professional

You know better than anyone how essential planning and preparation are to achieving optimal results. This golden rule also applies when you plan to finance a professional project for the acquisition or expansion of your healthcare practice, particularly within the framework of Liberal Health Practitioners (PLS). In this article, we'll dive into the details to guide you through the crucial steps to securing a PLS business loan that meets your specific needs.

The Initial Contribution: Foundation of Your Project

One of the fundamental pillars when looking for a professional loan for PLS is the initial contribution. It is generally recommended to have a contribution of at least 20% of the total amount of the project. This initial contribution demonstrates your commitment and your ability to invest in your own project. However, it is important to note that certain situations may allow flexibility in this rule depending on the overall amount of the project and your financial situation. This may represent an opportunity for you to explore different financing options in collaboration with your bank.

Preparing Your Project: The Key to Success

Careful preparation is the cornerstone of any successful approach. Before going before your banker, it is imperative to prepare a solid and complete file which highlights the details of your PLS project. Your file should include:

A detailed business plan:

This is the basis of your project. You must clearly outline your goals, financial projections, growth strategies and plans to keep your healthcare practice profitable. The ideal is to establish it over the next 3 years and take the last 2 or 3 years of precedence. It is difficult to obtain financing during the first year of activity.

Financial documents:

Include your current financial statements, account statements, tax returns and other documents that provide an accurate overview of your financial situation.

The amount of funding requested:

Clearly define the amount you need for your project and explain how you calculated this figure.

Your professional qualifications:

Highlight your skills, qualifications and experience as a healthcare professional. This will strengthen the bank's confidence in your ability to successfully complete your project.

The Fund Use Plan:

Demonstrate how you will use the borrowed funds and how this will contribute to achieving your goals.

The repayment strategy:

Explain how you plan to repay the loan and make sure your strategy is solid and realistic. In principle, equipment financing never exceeds 7 years (depending on actual wear and tear) and real estate loans 15 years unless you build an SCI plan on a personal basis.

An Expert at Your Side: Optimize Your Major Project

When your PLS project exceeds the 100,000 euros mark and extends over a period of more than 10 years, it is strongly recommended to call on a financing professional. Their expertise and industry knowledge can play a vital role in optimizing the costs, terms and conditions of your loan. These professionals can negotiate with banks on your behalf, help you navigate the complexity of the loan process, and provide you with informed advice to maximize the return on your investment.

In conclusion

Obtaining a PLS professional loan to finance your plans as a healthcare professional requires careful preparation, a solid plan and in-depth knowledge of financial details. By exploring the different contribution options, presenting a well-prepared project and collaborating with financing experts, you can put in place the foundations of a robust financial solution that will allow you to successfully achieve your professional goals.

How to secure your loan?

Financial Guarantees for Healthcare Professionals In the process of securing your professional financing, several forms of guarantees are necessary. Here is a non-exhaustive list of guarantee schemes that can be associated with a professional loan for those in the medical field...

Paris, France

+33-3 45 82 91 75
Monday to Friday - 8:00 a.m. to 7:00 p.m.

Why choose support from the Société de Financing des Professionnels de Santé?