Working capital for medical practices.
Capital that respects insurance reimbursement timing, finances $200K equipment on terms that match its useful life, and doesn't pretend a private practice is a hospital.
Medical operators run on insurance reimbursement timing, equipment that costs as much as a house, and staff costs that grow every year. Funding has to respect HIPAA, work with the realities of receivables aging, and not pretend a private practice is a hospital with a $40M revolving credit line.
What we underwrite, what we don't require, and how the file actually moves.
We fund licensed medical, dental, veterinary, optometric, chiropractic, physical-therapy, and ambulatory-care practices. Solo, group, and multi-location practices all qualify under the same framework. Most files we fund are 12 months to 30 years in operation with monthly deposits between $30,000 and $1.5M. We do not fund hospital systems, ambulatory surgery centers above a certain size threshold, or pre-licensure operators.
Equipment financing is the most common product on medical files — CBCT scanners, dental chairs, lasers, imaging, ultrasound, autoclaves, lab equipment, dental operatories. Terms typically run 60 to 84 months, which matches the useful-life depreciation of most clinical equipment. Vendor invoices fund directly. Soft costs — installation, training, software licenses, warranties — can typically be rolled in.
Working capital and lines of credit cover the realities that equipment financing doesn't: bridging slow insurance reimbursement cycles, hiring an associate provider, EMR/EHR upgrades, marketing pushes, buildout between leases, and short-term cash-flow gaps when a large insurance batch is delayed. For practice acquisitions, our capital typically supplements an SBA 7(a) loan — we don't lead acquisitions but we can fund working capital alongside one.
We do not require HIPAA-protected data, EMR access, or insurance billing data to underwrite. Bank statements tell the revenue story. UCC filings are standard. Personal guarantees are required from the practice owner(s). Every cost element is on the offer document in writing before you sign.
What we fund
- Equipment purchase — imaging, CBCT, dental chairs, lasers, ultrasound
- Buildout, relocation, or adding an operatory
- Bridge financing against insurance receivables
- Hiring an associate provider or expanding staff
- Practice acquisition support (alongside an SBA loan)
- EMR/EHR system upgrades and integrations
What you'll need
- Licensed practice, 12+ months
- $30,000+ in monthly deposits
- Bank statements
- Vendor quote for equipment financing
- Practice owner credit profile
Things medical practices operators ask first.
Equipment + working capital together
Buying $300K of imaging plus needing $75K for buildout? We can structure equipment financing on the imaging and working capital on the buildout in the same file.
No HIPAA data needed
We do not request EMR access, insurance billing data, or any PHI. Bank statements alone tell the revenue story.
Useful-life terms
Equipment financing terms are sized to the equipment's useful life — typically 60 to 84 months on clinical equipment so the asset earns out the payment.
Acquisitions, alongside SBA
We don't lead practice acquisitions but we can fund working capital alongside an SBA 7(a) acquisition loan.
A NC dental practice financed a CBCT scanner and two new operatories. 72-month term, vendor-paid, funded in 5 days.