Healthcare and Medical Practices Business Loans

Running a medical practice means balancing patient care with constant financial demands. Payroll, rent, supplies, EMR software, and equipment upgrades all need to be paid for long before insurance and Medicaid reimbursements arrive. Our healthcare and medical practice business loans are designed to fill that gap, giving you reliable access to working capital when you need it. Whether you want a medical practice business loan to stabilize cash flow or a same day medical equipment loan to add new services, we help keep your practice moving forward.

Why Healthcare Businesses Turn to Business Loans

Medical practices, clinics, and healthcare providers face a unique cash flow cycle. Claims processing, insurance delays, and Medicaid funding timelines can create serious pressure, even when the practice is busy and profitable. Our healthcare business loan options are structured to bridge that timing gap.

With fast approvals and an instant medical practice loan process, you can cover day-to-day expenses, hire additional staff, add treatment rooms, or invest in new diagnostic equipment. Whether you run a family practice, physical therapy clinic, dental office, or specialty group, we help you smooth out receivables, handle seasonal dips, and seize growth opportunities without compromising clinical standards.

Minimum Requirements for Healthcare and Medical Practice Funding

To qualify for a healthcare and medical practices business loan, your practice 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 and Medical Practice Business Loan Options

Medical Practice Term Loan

A traditional medical practice business loan that provides a lump sum for expansion, renovations, or major investments. Repay in fixed installments over a set term, ideal for predictable long-term projects such as adding new treatment rooms or purchasing a neighboring suite.

Working Capital Loan for Healthcare Providers

Short-term funding designed to handle everyday practice expenses. Use it to cover rent, utilities, payroll, or vendor invoices while waiting on insurance and Medicaid funding. This option is a good fit when you need quick access to capital without changing your long-term plans.

Medical Equipment Financing & Same Day Equipment Loans

If you need new imaging devices, dental chairs, lab machines, or other high-cost tools, a same day medical equipment loan can help you get them into your office quickly. Spread the cost over time while the new equipment starts generating revenue and improving patient care.

Healthcare Business Line of Credit

A revolving line of credit lets you draw funds as needed, repay, and draw again without reapplying. This flexible option supports practices that experience regular reimbursement delays, giving you a safety net for unexpected repairs, staffing needs, or supply spikes.

Healthcare Receivables & Insurance-Backed Funding

For practices heavily dependent on insurance and Medicaid funding, this option lets you use expected reimbursements as the basis for financing. Access cash now, instead of waiting weeks or months for claim payments, and keep your operations running smoothly during processing delays.

Healthcare and Medical Practice Loan Services

We understand the financial pressures that come with running a modern medical practice. Our healthcare loan services are built around the realities of claim cycles, regulatory changes, and the need to maintain high-quality care. We work with practices of all sizes, from solo physicians and dentists to multi-location specialty groups.

Our simple application process, fast decisions, and clear documentation keep your time investment low. You receive personalized support, guidance on the best structure for your practice, and repayment plans that align with your cash flow. Whether you are stabilizing operations, expanding services, or upgrading clinical technology, our goal is to provide the right funding at the right time.

Who We Serve

Frequently Asked Questions

What is the process for getting a healthcare and medical practice business loan?

Start by completing a short application and providing basic financial information for your practice. Our team reviews your revenue, time in business, and credit profile, then presents loan options that fit your needs. Once approved, funds are typically available within a few business days, so you can move quickly on payroll, equipment, or expansion plans.

What are the repayment terms for a medical practice loan?

Repayment terms depend on the loan type and amount. Some options have fixed daily or weekly payments, while others use monthly schedules. We structure your medical practice business loan so payments are manageable within your existing cash flow, aligning with your insurance and Medicaid funding timelines wherever possible.

Can I apply if my credit score is low?

Yes. We work with many providers who have less-than-perfect credit. While stronger credit can unlock more options and better pricing, a low score does not automatically disqualify you. We look at overall practice health, revenue, and deposit history to see if an instant medical practice loan or another funding solution makes sense.

What are the eligibility requirements for healthcare and medical practice loans?

You should have at least five months in business, a minimum of $10,000 in monthly revenue, and 51% ownership of the practice. A US FICO score of 500 or higher is also required. Additional documentation may be requested for larger amounts or specialized programs, such as certain equipment or receivables-based funding.