Business plan for a medical practice
Business Plan for Your Medical Practice
Whether establishing a practice, starting a new practice, or taking one over: we create your bankable business plan, convincing for apoBank, KfW, and the Association of Statutory Health Insurance Physicians (Kassenärztliche Vereinigung, KV).
14 days
to the draft
€0
with an approved AVGS voucher
4.9
on Google
Since 2018
Experience
- Bankable for practice loans & investments
- Suitable for solo practices, group practices (BAG), or medical care centers (MVZ)
- AVGS coaching: with an approved voucher and no personal contribution or from €3,000
- Free & non-binding
- Reply within 24 hours
- No obligation
Qualifications & experience
Your project in experienced hands.
Our credentials and track record at a glance.
4.88 / 5
92 reviews on ProvenExpert
As of September 2026
750+
business plans written
Since 2018
Registration
BAFA register of consultants
Pavel Deuble, management consultant
Consultant ID 191790
What does this mean for you?
Federal Office for Economic Affairs and Export Control (BAFA). Pavel Deuble, consultant ID 191790. Your BAFA-funded consulting must be provided by a listed consultant.
Provider approval
AZAV-approved provider
UW Unternehmensweg GmbH, our sister company
AZAV provider approval Z-000392-2
What does this mean for you?
AVGS programs may only be delivered by approved providers. Our sister company UW Unternehmensweg GmbH, Leverkusen, takes care of this.
Our service
KfW financing support
We put together the documents for your loan application, which your house bank forwards to KfW, and prepare you for the bank meeting.
In practice: Since 2018 we have written more than 750 business plans. 99% of the start-up grant (Gründungszuschuss) applications we supported were approved (internally documented). The start-up grant is a discretionary benefit under § 93 SGB III; the Employment Agency decides on approval.
Track record & funding notes
Listed in the BAFA register of consultants; AVGS programs through the AZAV-certified provider UW Unternehmensweg GmbH
4.88 out of 5 on ProvenExpert
Based on 92 reviews on ProvenExpert (as of October 2026).
Why a Business Plan for a Medical Practice?
Starting or taking over a practice is capital-intensive: practice value, medical equipment, and start-up costs add up quickly. Banks such as apoBank require a reliable business plan with realistic financial and liquidity planning for the practice loan.
On top of that comes needs-based planning: whether you can establish yourself in a licensing district depends on the level of care coverage. A good plan puts location, range of services, and billing (statutory health insurance/private) into a coherent picture.
What Belongs in the Business Plan for a Practice
We cover all practice-relevant components:
- Planning of location and demand (licensing district, level of care coverage)
- Range of services and billing (statutory health insurance, private, IGeL self-pay services)
- Investment plan and financing plan (practice value, equipment, renovation)
- Staff planning (medical assistants, employed physicians if applicable)
- Planning of revenue, profitability, and liquidity
- Legal form and KV accreditation (solo practice, BAG, MVZ)
Funding & Costs
A professional business plan normally costs from €3,000. With an Activation and Placement Voucher (Aktivierungs- und Vermittlungsgutschein, AVGS) from the Employment Agency (Agentur für Arbeit), the consulting is 100% free of charge for you after written approval; through BAFA funding you save 50% to 80% depending on your company’s location. For investments, we combine the plan with a KfW start-up loan on request.
We create your bankable business plan in around 14 days, take care of the expert opinion (fachkundige Stellungnahme) on request, and accompany you all the way to the meeting with the bank or authority.
Personal Consulting, No Call Center
You have a dedicated contact person who knows your project and accompanies you from the first idea to implementation. On an equal footing, transparent, and tailored to your situation.
- A dedicated consultant instead of changing case handlers
- Bank-tested documents that meet funding requirements
- Support all the way to the meeting with the bank or authority
Profile & Suitability at a Glance
€100,000–500,000 (practice value, equipment, renovation)
Immediately in a takeover; a few weeks for a new practice
Net income often €100,000–200,000/year (depending on specialty)
High, capital-intensive and regulated
Medical license (Approbation), specialist recognition, KV accreditation
Medical Association (Ärztekammer) + Association of Statutory Health Insurance Physicians (KV) (freelance profession, not a trade)
Conditionally, only when unemployed
Yes, patient base & KV billing
7 / 10
High, stable earnings and secure demand, but capital-intensive and heavily regulated by needs-based planning (licensing districts). Those who obtain accreditation start on a solid foundation.
Earnings – example calculation
Example for a general practice: ~€250,000/year in fee revenue (statutory, private, IGeL) − ~€140,000 costs (staff, rent, equipment, lab) = around €110,000 net income before taxes.
Pros
- Stable, recurring demand
- High earning power
- Specialized financing (e.g., apoBank)
Things to consider
- High capital requirements
- Accreditation limited by needs-based planning
- Effort for billing and bureaucracy
All figures are guideline values for orientation, not a guarantee; actual numbers depend heavily on location, concept, and size. As of June 2026.
Official Sources, Information Sheets & Flyers
The authoritative primary sources to read up on: information sheets and program pages of the responsible funding bodies, as well as the relevant legal texts.
KfW – The business plan as a basis (start-up & succession) Information page · KfW – orientation on business plans & development loans IHK – Business plan guide Information page · IHKExternal links to official bodies, checked on June 19, 2026. Content and terms may change; the source itself is always authoritative.
Video testimonials
First-Hand Experiences
See how founders experienced the path to funded self-employment, with real names and verifiable on request.
4.9 / 5 · 65 Google reviews
In 30 minutes we answer all your questions, free of charge and without obligation.
Frequently Asked Questions: Business Plan for a Medical Practice
Do I need a business plan for practice financing?
Yes. Banks, especially apoBank, require a reliable business plan with financial and liquidity planning for the practice loan. Even when taking over a practice, it is the basis for the valuation.
What does a business plan for a medical practice cost?
Normally from €3,000, depending on scope. If you are registered as a jobseeker, the consulting can be 100% funded through an AVGS voucher after written approval; otherwise you save 50% to 80% through BAFA funding, depending on your company’s location.
Practice takeover or new start: does it make a difference?
Yes. In a takeover the focus is on practice value, patient base, and existing structures; in a new start, on planning demand and location. We tailor the business plan to your case.
Business Plan for Your Medical Practice
In the free initial consultation we clarify your project and the path to practice financing.