Business Funding for Medical Practices
You provided care last month. Insurance claims were submitted. Reimbursements arrive in 45-90 days. Staff expects payroll Friday. Medical practices operate on a cash flow timeline that general business lenders rarely understand. We specialize in healthcare revenue cycles.
How much funding do you need?
Drag the slider or type an amount
Understanding Healthcare Finance
Medical practice finances operate differently than typical businesses. Insurance reimbursement cycles, credentialing delays, and regulatory requirements create unique capital needs.
The Reimbursement Gap Reality
Medical practices typically wait 30-90 days for insurance reimbursements. A practice billing $500,000 monthly might have $750,000-$1.5M perpetually outstanding in accounts receivable. This structural gap defines healthcare finance needs.
Equipment Investment Requirements
Medical equipment represents massive capital investment. A single imaging machine costs $150,000-$3M. Practices must balance equipment capabilities against cash flow constraints and reimbursement rates.
Payer Mix Impact
Your payer mix dramatically affects cash flow. Medicare pays in 14-30 days. Commercial insurers take 30-45 days. Medicaid can stretch to 90+ days. The same services generate different cash flow timelines based on who pays.
Credentialing Cash Gaps
New providers cannot bill until credentialed with each payer, a process taking 60-180 days. Practices must fund new provider salaries for months before generating billable revenue.
Why Healthcare Financing is Different
Medical practices face unique cash flow challenges driven by insurance reimbursement cycles and regulatory requirements.
Insurance Reimbursement Delays
Services rendered today generate revenue 45-90 days from now. But staff, rent, and supplies require payment now. The structural gap between care delivery and payment defines healthcare cash flow.
Equipment Capital Requirements
Diagnostic equipment, imaging systems, and treatment devices cost $50,000-$500,000+. Patients expect modern technology, but equipment ties up capital needed for operations.
Credentialing Float
Hiring a new physician means 3-6 months of salary before insurance credentialing allows billing. Each new provider creates a predictable but significant cash drain.
Payer Denial Management
Denied claims require rework and resubmission, extending already long payment cycles. Some percentage of valid claims faces delays that stretch cash flow further.
Practice Growth Constraints
Adding a location, service line, or provider requires upfront investment with delayed revenue. Growth opportunities stall when capital is tied up in receivables.
Bank Healthcare Hesitancy
Banks see healthcare regulatory complexity and reimbursement uncertainty as risk factors. Many decline medical practices or demand excessive documentation and collateral.
Financing Built for Healthcare Revenue Cycles
Capital solutions structured around how medical practices actually operate. We understand reimbursement timing, payer mix impacts, credentialing gaps, and the reality of healthcare cash flow.
Revenue Cycle Understanding
We evaluate your practice based on reimbursement patterns, payer mix, and collection rates rather than retail business metrics.
Equipment Financing
Finance diagnostic equipment, imaging systems, treatment devices, and practice technology with terms matched to equipment useful life.
Working Capital Solutions
Bridge reimbursement delays, fund credentialing periods, and cover operations while insurance payments process.
Speed When Needed
Equipment opportunities and practice needs do not wait for lengthy bank processes. Get capital decisions in hours to days.
AR-Based Options
Your accounts receivable have real value. Medical receivables financing leverages what insurance companies owe you.
All Practice Types
Primary care, specialty practices, surgery centers, imaging facilities, urgent care, and every medical specialty.
How Medical Practices Use Funding
Real scenarios where healthcare financing bridges gaps and enables growth.
Equipment Acquisition
Purchase diagnostic equipment, imaging systems, or treatment devices. Finance over useful life rather than depleting working capital.
Typical funding: $50K-$500K
New Provider Credentialing
Fund 3-6 months of new physician salary while insurance credentialing completes. Necessary investment for practice growth.
Typical funding: $75K-$200K
Practice Acquisition
Purchase a retiring physician's practice or merge with another group. Structured financing for healthcare M&A.
Typical funding: $200K-$1M
Reimbursement Bridge
Cover operating costs while large insurance payments process. Bridge predictable revenue cycle gaps.
Typical funding: $50K-$300K
Location Expansion
Open a second office, urgent care location, or specialty clinic. Capital for healthcare real estate and buildout.
Typical funding: $150K-$500K
Technology Upgrade
Implement new EHR systems, practice management software, or patient engagement technology.
Typical funding: $25K-$150K
Healthcare Financing Options
Understanding the range of capital solutions available to medical practices.
| Feature | Alternative Lender | Bank Loan | Medical Receivables |
|---|---|---|---|
| Approval Speed | 1-7 days | 30-90 days | 3-7 days |
| Healthcare Expertise | Specialized | Limited | Specialized |
| AR Consideration | Valued | Rarely | Primary factor |
| Working Capital | ✓ | ✓ | Limited |
| Equipment Financing | ✓ | ✓ | ✗ |
| Credit Flexibility | Moderate | Strict | Based on AR |
| Documentation | Moderate | Extensive | AR focused |
| Cost | Moderate | Lowest | Per transaction |
Healthcare Practice Qualification Basics
General guidelines for medical practice financing. Every situation is evaluated individually.
Practice History
Established medical practice with revenue history and patient volume.
1+ year for most products
Revenue
Demonstrated revenue from patient services and insurance reimbursements.
$300,000+ annual
Proper Licensing
Required medical licenses, DEA registration (if applicable), and malpractice coverage.
Licensed and insured
Payer Contracts
Active contracts with commercial insurers and/or government payers.
Credentialed with payers
Accounts Receivable
Clean AR aging demonstrates revenue quality and collection effectiveness.
Healthy AR metrics
Practice Entity
Properly structured medical practice entity (PC, PLLC, etc.) in good standing.
Legal practice structure
Healthcare practices are evaluated based on reimbursement patterns and AR quality, not just traditional business metrics.
Real Results
Dr. Sarah K.
Internal Medicine Practice, Phoenix AZ
The Challenge
Sarah's 4-physician practice needed to purchase a $180,000 ultrasound system to bring imaging in-house. Currently referring out, they lost $12,000 monthly in potential revenue. Their bank wanted 6 months of financials and personal real estate as collateral.
The Solution
We structured equipment financing for $180,000 over 60 months with the equipment itself as collateral. Approved in 5 days based on practice revenue and reimbursement history.
The Result
Ultrasound installed within 3 weeks. In-house imaging generated $14,000 monthly in new revenue. Equipment paid for itself while improving patient convenience. The practice returned for financing when adding their next physician.
“The bank wanted my house as collateral for equipment that would pay for itself in the first year. Finding a lender who understood medical practice economics made the decision easy.”
Healthcare Industry Snapshot
Key metrics shaping medical practice financing decisions.
Why Medical Practices Choose Us
What sets healthcare-focused financing apart from generic business loans.
Revenue Cycle Knowledge
We understand reimbursement timelines, payer mix impacts, and AR aging. Your financials are evaluated properly.
AR Valuation
Insurance receivables have real value. We can leverage what payers owe you when banks cannot.
Equipment Expertise
Medical equipment has specific valuation and useful life considerations. We structure terms appropriately.
Credentialing Awareness
We understand credentialing timelines and factor new provider ramps into our evaluation.
Fast Decisions
Equipment opportunities and practice needs operate on healthcare timelines. We provide answers quickly.
HIPAA Awareness
We understand healthcare data sensitivity and maintain appropriate information handling practices.
Explore Your Options
Different financing products for different needs. Find the right solution for your business goals.
Equipment Financing
Finance diagnostic equipment, imaging systems, treatment devices, and practice technology. Terms matched to equipment useful life. Preserve working capital for operations.
Medical AR Financing
Turn insurance receivables into immediate cash. Stop waiting 45-90 days for reimbursements. Your AR has real value that can fund current operations.
Working Capital Loans
Bridge reimbursement delays, fund credentialing periods, and cover operations. Working capital structured around healthcare revenue cycles.
Business Line of Credit
Pre-approved capital you can access as needs arise. Draw for equipment, cover gaps, or handle emergencies without reapplying each time.
SBA Healthcare Loans
Government-backed financing with the best rates and longest terms. Ideal for practice acquisition, real estate, or major expansion.
Revenue-Based Financing
Payments tied to your revenue with natural flex for reimbursement timing. Pay more when cash flows in, less during slower cycles.