The biggest factor in determining when the practice will break even is the amount of money to borrow to start up the practice. When determining a loan amount, it is important to consider the cost of equipment, rent, malpractice and other insurances (e.g., worker's compensation, general liability).
Also, during the first few months, bills will be paid using what was borrowed or set aside, as there will be little to no income for 30 to 90 days, depending on how quickly the local payers and managed care organizations (MCOs) pay the practice.
For information on obtaining loans, check with various bank Web sites. For additional information, visit the US Small Business Administration.