01
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.
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.
- Funding from $25,000 to $1,000,000
- Decisions in as little as 24 hours
- We understand healthcare cash flow cycles
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
TrustScore 4.4 / 5 on Trustpilot
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Funding in Days, Not Months
01
Quick Application
Share your practice type, specialty, monthly revenue, and what you need funding for. Our team understands medical billing and reimbursement cycles.
02
Fast Review
We assess your practice with an understanding of payer mix, insurance receivables, and the unique economics of healthcare businesses.
03
Choose Your Terms
Review several funding offers tailored to your needs. Compare terms, rates, and repayment structures to find the best fit.
04
Get Funded
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
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.
- Loan Amounts
- $25,000 to $1,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 months to 5 years
- Speed
- 24 hours to 7 business days
Financing Options for Healthcare Practices
Different situations call for different solutions. Here are the products healthcare providers use most frequently.
- Invoice Factoring for Medical ReceivablesConvert your outstanding insurance claims and patient receivables into immediate cash. Stop waiting 60-120 days for reimbursements while expenses pile up.
- Medical Equipment FinancingFinance diagnostic machines, exam tables, imaging equipment, dental chairs, and practice technology. The equipment serves as collateral, preserving your working capital.
- Working Capital for OperationsCover payroll, medical supplies, rent, and overhead while waiting for insurance payments. Designed for the reimbursement cycles of healthcare.
- Business Line of CreditA revolving credit facility you can draw from as needed. Ideal for managing seasonal patient volume fluctuations or having reserves for equipment emergencies.
- Revenue-Based FinancingFunding based on your practice revenue with payments that flex monthly. Busier months mean larger payments; slower months mean smaller ones.
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.
- Practice revenue history often matters more than personal credit
- Strong insurance receivables improve all funding options
- Established patient base demonstrates stability
- Multiple payer relationships show diversification
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
760Score
Challenged Credit
Multiple options available based on practice performance
502Score
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
Pros
- 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
Cons
- Financing costs reduce overall practice margin
- Some products require frequent payments
- Personal guarantees may be required
- Fast funding options typically cost more than traditional bank 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 |
Healthcare Practice Qualification Requirements
- Monthly Revenue
- $15K+
- Credit Score
- 500+
- Time in Practice
- 6+ months
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 ApplicationStep 1: Apply Online
Complete a short application about your practice, including specialty, monthly revenue, payer mix, and funding needs.
Step 2: Submit Documents
Upload recent bank statements and basic practice information. We review them with an understanding of healthcare revenue patterns.
Step 3: Get Funded
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.
FAQs
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.
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 takes longer due to additional requirements, typically 1-4 weeks.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership. Larger amounts 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
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score