Healthcare and Medical Practices Business Line of Credit

Keeping a medical office running smoothly means more than caring for patients. You have to manage staff payroll, equipment costs, software subscriptions, and insurance reimbursements that do not always arrive on schedule. A dedicated healthcare line of credit gives you flexible access to working capital so your practice can stay focused on patient care, not cash-flow gaps. Whether you run a solo clinic or a multi-provider group, the right funding can help you manage daily expenses with confidence.

Healthcare and Medical Practices Business Line of Credit

Our programs are tailored to medical, dental, and wellness providers who need steady access to working capital. A medical practice line of credit allows you to handle fluctuating reimbursements, invest in new technology, or expand services without waiting months for approval each time. You pay interest only on the amounts you actually use, which helps you manage costs while maintaining high standards of care.

Whether you are opening a new location, adding providers, or modernizing your office, we can structure a line of credit for healthcare around your specialty, payer mix, and growth goals. If you need funding quickly to meet payroll, secure pharmaceuticals, or handle an unexpected repair, we work to move your request through review and approval as efficiently as possible.

Minimum Requirements for Healthcare Practice Funding

To qualify for a healthcare and medical practices business line of credit, most applicants should meet these basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Healthcare Credit Solutions

Revolving Healthcare Line of Credit

This core facility is designed for ongoing practice needs such as payroll, supplies, rent, and utilities. It functions as a flexible healthcare line of credit you can draw from, repay, and reuse as your cash flow cycles.

Equipment and Technology LOC

Diagnostic tools, imaging machines, EHR systems, and other medical technology can be costly. A focused medical practice line of credit helps you spread these costs over time, so you can upgrade your equipment without draining your reserves.

Insurance Reimbursement Bridge Credit

Claims often take weeks or months to be paid. This type of line of credit for doctors helps you bridge the delay between providing care and receiving reimbursement, keeping your operations stable during slow payment cycles.

Expansion and Renovation Credit

Adding exam rooms, opening a new office, or updating your waiting area all require capital. An expansion-focused line of credit for healthcare lets you handle build-out, furniture, and opening costs while your new space ramps up.

Credit Options for Practices with Challenged Credit

If your credit track record is not perfect, you may still qualify for a smaller facility based more on practice performance and revenue. Responsible use of this medical practice line of credit can help you build a stronger profile and qualify for higher limits later.

Healthcare Credit Services

Healthcare organizations face unique pressures: regulatory requirements, changing reimbursement rules, staffing challenges, and rising supply costs. Our healthcare credit services are built to support those realities. From small private offices to multi-specialty practices, we help you secure dependable working capital so you can keep your focus on patients.

The application is concise, with clear documentation requests and quick turnarounds. Once approved, your healthcare and medical practices business line of credit becomes both a safety net and a growth tool. Use it to cover payroll, manage supplier accounts, invest in new services, or handle emergencies without disrupting care. With competitive pricing, transparent fees, and flexible repayment structures, you stay in control of your finances and your practice’s future.

Who We Serve

Frequently Asked Questions

What is the process for getting a healthcare business line of credit?

You begin by completing a short application that outlines your practice type, revenue, and time in operation. After you submit recent bank statements or financials, our team reviews your information and determines an appropriate limit. Once approved, your healthcare and medical practices business line of credit is opened, and you can start drawing funds for operating costs as needed.

What are the repayment terms for a healthcare line of credit?

Repayments are typically made monthly and are based on the balance you have used, not the full credit limit. As you pay the balance down, the available credit opens back up, allowing your healthcare line of credit to support repeated cycles of expenses and reimbursements.

Can I apply for a healthcare line of credit if my credit score is low?

In many situations, yes. While personal credit is considered, lenders also look at practice revenue, stability, and deposit history. You may qualify for a smaller line of credit for doctors initially, and as you make on-time payments and maintain consistent performance, you may be able to increase your limit.

What are the eligibility requirements for a healthcare and medical practices business line of credit?

Common requirements include meeting the minimum monthly revenue threshold, operating your practice for several months or more, and holding at least 51% ownership. You will also need a valid U.S. FICO score and standard business documents so we can verify your details and structure the right medical practice line of credit for your needs.

Healthcare and Medical Practices Business Line of Credit