Business funding for medical and dental practices
Insurance reimbursements arrive weeks after the visit; payroll and equipment leases don’t wait. Funding helps practices grow without slowing down patient care.
How cash flows in medical practices
Practices are paid largely by insurers and government programs, on a delay of weeks and sometimes months. Revenue is stable but lagged, while staff, rent and equipment payments are monthly. Expansion (a new location, a new provider, new diagnostic equipment) needs capital upfront that collections only return later.
What we look at
- Collections deposited over the last four months
- Payer mix and how quickly claims are paid
- Time in practice and ownership
- Existing equipment financing
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
New diagnostic or treatment equipment
Finance imaging, dental or surgical equipment over its useful life.
A second location
Fund the build-out and the months before it fills up.
Bringing on a new provider
Cover salary until their patient panel builds.
Buying out a co-owner
A term loan for an ownership change.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Medical practices: questions owners ask
Does insurance lag hurt my application?
Not if your deposits are steady. The review looks at what actually lands in your account month to month.
Can a practice finance an office purchase?
Yes, reviewed case by case. See commercial real estate.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.