Capital That Keeps Your Practice Thriving
Healthcare providers face unique financial challenges that traditional lenders rarely understand. From insurance reimbursement delays to expensive medical equipment, we provide funding solutions built for the realities of running a medical practice.
How much funding do you need?
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Applying is free and won't impact your credit score
From Application to Funding in Days, Not Months
Share your practice type, specialty, monthly revenue, and what you need funding for. Our team understands medical billing and reimbursement cycles.
We assess your practice with an understanding of payer mix, insurance receivables, and the unique economics of healthcare businesses.
Review several funding offers tailored to your needs. Compare terms, rates, and repayment structures to find the best fit.
Once approved, funds arrive quickly—often within 24-48 hours. Put the capital to work immediately for your practice.
Why Healthcare Providers Trust Us With Their Funding
We Understand Medical Practice Economics
Insurance reimbursements, patient copays, and variable payer mixes create unique cash flow patterns. We evaluate your practice the way it should be evaluated.
Bridge the Reimbursement Gap
Waiting 30-90 days for insurance payments while covering payroll and supplies is stressful. Our funding bridges these gaps smoothly.
Equipment That Enables Better Care
From diagnostic imaging to treatment equipment, we help you invest in the tools that improve patient outcomes and practice efficiency.
Practice Acquisition Support
Looking to buy an existing practice or buy out a partner? We provide the capital to make ownership transitions possible.
All Healthcare Specialties Welcome
General practice, dental, veterinary, optometry, chiropractic, physical therapy, mental health—we fund the full spectrum of healthcare.
Transparent Terms, No Surprises
Healthcare billing is complicated enough. Our funding terms are straightforward, with all costs disclosed upfront.
Funding Built for the Realities of Healthcare
Whether you need to upgrade diagnostic equipment, expand your facility, or simply manage cash flow between insurance payments, we have solutions designed for medical practices.
Medical practices operate differently than most businesses. The gap between providing care and receiving payment can stretch for months. Equipment costs are substantial. Staffing requires competitive compensation. We have spent years learning the healthcare industry so we can provide capital that actually makes sense for your practice model and patient care mission.
Healthcare Practice Funding Overview
We offer multiple products designed to address different practice needs. Some providers need equipment financing with extended terms. Others need working capital to cover operating expenses while waiting for insurance payments. Many use a combination as their practice grows.
Most healthcare providers qualify for multiple products. Your funding advisor will help compare options and recommend the best approach for your situation.
Financing Options for Healthcare Practices
Different situations call for different solutions. Here are the products healthcare providers use most frequently.
How Credit Affects Healthcare Practice Financing
Your personal credit score is one factor, but not the only one. We evaluate the complete picture: practice revenue, time in operation, patient volume, payer mix, and accounts receivable quality.
Good News
Healthcare providers with credit scores in the 500s regularly qualify for funding when they demonstrate consistent patient volume and reliable insurance relationships. Your practice performance tells the real story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
Challenged Credit
Multiple options available based on practice performance
Healthcare Industry Funding Insights
60-90
average days to receive insurance reimbursement. We provide capital to bridge this gap so your practice runs smoothly.
(Source: Healthcare Financial Management Association)
$100K+
average cost of essential diagnostic equipment. Our equipment financing helps practices invest in better patient care without depleting reserves.
(Source: Medical Equipment Industry Data)
70%
of medical practices use external financing at some point. Capital is a normal, strategic part of healthcare business operations.
(Source: Medical Group Management Association)
Weighing Healthcare Practice Financing
Bridge cash flow gaps during insurance payment delays
Invest in equipment that improves patient care
Fund practice acquisitions or partner buyouts
Expand services or open additional locations
Cover operational expenses during growth phases
Build credit history for better future terms
Financing costs reduce overall practice margin
Some products require frequent payments
Personal guarantees may be required
Fast funding options typically cost more than SBA loans
Compare Healthcare Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Medical Receivables Factoring | $25K to $500K | 1% to 4% per invoice | 24 to 48 hours |
| Equipment Financing | $25K to $5M | 6% to 18% APR | 3 to 7 days |
| Working Capital Loan | $25K to $500K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| SBA Loan | $50K to $1M | Prime + 2.75% | 8 to 12 weeks |
Healthcare Practice Qualification Requirements
$15K+
Monthly Revenue
500+
Credit Score
6+ months
Time in Practice
Get Funding for Your Healthcare Practice
Apply today and receive funding decisions quickly. Our team specializes in healthcare financing and understands the unique needs of medical practices.
Start Your Application
Complete a short application about your practice, including specialty, monthly revenue, payer mix, and funding needs.
Upload recent bank statements and basic practice information. We review them with an understanding of healthcare revenue patterns.
Review your offers, choose the best fit, and receive funds. Most healthcare providers get funded within 24 to 48 hours.
Healthcare Funding Products
Explore specific financing options available for your medical practice.
Related Industries We Fund
We also specialize in financing for these related industries.
Healthcare Practice Financing Questions
We fund medical offices, dental practices, veterinary clinics, optometry offices, chiropractic practices, physical therapy clinics, mental health practices, urgent care centers, and specialty medical practices of all types.
Yes, we provide acquisition financing for practitioners looking to purchase an existing practice, buy out a partner, or acquire a competitor. SBA loans often offer the best terms for acquisitions.
Our invoice factoring and working capital products are specifically designed to bridge the gap between providing care and receiving payment from insurance companies. You can access capital within days instead of waiting months.
We offer equipment financing for diagnostic machines, treatment equipment, exam tables, dental chairs, imaging systems, and all other medical equipment. The equipment serves as collateral, often enabling better rates.
Yes, though requirements vary. Newer practices typically need at least 6 months of operation and demonstrated patient volume. Experienced practitioners starting new practices may have additional options based on their track record.
It matters, but practice performance often outweighs credit challenges. We have funded many healthcare providers with credit scores below 600 who demonstrate solid patient volume and reliable insurance relationships.
Many providers receive decisions within 24 hours and funding within 24-48 hours. Equipment financing and SBA loans take longer due to additional requirements, typically 1-12 weeks.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership. Larger amounts or SBA loans require additional documentation like tax returns and practice financials.
Ready to Strengthen Your Practice?
Whether you need equipment, working capital, or acquisition funding, our team specializes in healthcare practice financing and understands your unique challenges.
How much funding do you need?
Drag the slider or type an amount
Applying is free and won't impact your credit score