How a medical device rep bought a weight loss clinic with 100% seller financing

Happy Monday!

Today I’ve got a story about Brittany.

She was a medical device sales rep with 15 years in neurosurgery, making great money, but dealing with brutal pressure and a growing sense that it wasn’t sustainable forever.

After nine months of searching and a deal that nearly died multiple times, she closed on a medical weight loss clinic for $850K with 100% seller financing and $100K down.

Community Spotlight

Before we get to Brittany’s story, here’s another success spotlight from the Acquisition Ace community!

Leann bought a $1.3M sign company after joining Acquisition Ace, and her son now runs operations.

She went from program manager to business owner in less than a year.

👉 Want the foundation and knowledge to confidently pursue your first acquisition? Book a call with our team here.

Before the Deal

Brittany had spent over a decade standing in operating rooms, consulting on spine surgeries, and making good money doing it.

But she’d been quietly looking for a way out for years, wanting something recession-resistant, cash-flowing, and built to last.

She joined Acquisition Ace and started searching with one clear goal: find the kind of business that would let her live her life the way she wanted.

Finding the Deal

The clinic checked almost every box:

• Medical

• Recession-resistant

• Fee-for-service (no insurance)

• Strong profit margins

• And a retiring seller who was priced to move

The problem was the financials were commingled with a second aesthetics business the seller had started on the side.

Fifteen banks passed and the deal sat in limbo for months.

This is where most buyers would have moved on.

But Brittany held on.

When the seller finally agreed to owner-finance the deal entirely, everything changed.

(Inside Acquisition Ace, members learn how to evaluate deals that look messy on the surface but have real underlying value, and when to push through versus walk away. To learn more about the Acquisition Ace community, and see if it’s a good fit for you, book a call with our team here.)

The Deal Breakdown

Original asking price: $999K

Final purchase price: $850K

SDE: $350K-$450K annually

Financing: 100% seller financing at 8% interest over 8 years

Down payment: $100K (~10% of purchase price)

Cash flow model: Fee-for-service, cash or card day of service — no receivables lag

First payment deferred 90 days post-close

The 90-day payment deferral was critical, because it gave Brittany a runway to build cash reserves and cover payroll before debt service kicked in.

What She’s Doing Now

Brittany walked into a clinic running three days a week with two exam rooms and one nurse practitioner.

Within weeks she had renovated the space, opened a third exam room, expanded to five days a week (with Fridays filling up entirely on day one) and began building toward Saturday hours.

Patient capacity has grown from 35 per day toward a potential 100+.

She’s in a full marketing and rebranding phase, having never run a single ad.

Patients were already driving up to 90 minutes for appointments, and she hasn’t even launched telemedicine yet!

Her projected year-one cash flow after debt service is approximately $200K-$250K…

And if she executes on the growth plan, her realistic upside within 12-18 months is potentially seven figures in SDE.

The Key Lesson

“Everyone told me to walk away. The bank said no. But I knew the principles. I knew the deal. Don’t let one obstacle or one person’s opinion kill something that fundamentally makes sense.”

Brittany spent nine months on a deal most buyers would have abandoned after two.

She understood the commingling issue, she understood why margins were high, and she understood the upside that nobody else was seeing.

That conviction - grounded in real analysis - is what got the deal done.

Ready to find and close your first acquisition?

Join the Acquisition Ace community with 2,000+ members who are learning to find, finance, and close deals just like Darwin.

👉 Book a call with our team here to see if it’s a good fit.