Add providers, rooms, or equipment without waiting on reimbursements. Built for established practices doing $60K or more a month.
Review my optionsMedical and dental practices
Working capital and equipment financing for practices, through our partner, Merchant Fund Express, based on the deposits your practice already brings in.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified practices can be funded in as little as 24 hours. About three months of bank statements, no tax returns, a five-minute application.
FICO 500+ is considered, starting with a soft pull. Steady reimbursement deposits carry weight.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your offer includes the repayment schedule up front, so you can plan around claim timing.
A growing practice spends today and collects later. Payer reimbursements can take 30 to 90 days, and denials or resubmissions stretch that further. Meanwhile, a new hygienist, physical therapist, or nurse practitioner draws salary from day one. The more you grow, the larger the gap between work performed and cash received.
That gap is what medical practice funding is for: carrying payroll, supplies, and lease costs while receivables catch up.
| Goal | Option to explore |
|---|---|
| Imaging, lasers, dental chairs, or EHR hardware | Equipment financing |
| Onboarding a new provider | Working capital |
| Smoothing reimbursement timing | Business line of credit |
| Build-out of additional operatories | Working capital |
For illustration only: a dental group collecting $180,000 a month adds an associate dentist. Salary, an assistant, and supplies cost about $38,000 a month, while the associate's production takes roughly four months to reach full schedule and another 45 days to collect. The owner models a cumulative gap near $95,000 and requests in that range. Sizing to the ramp, not to a wish list, keeps repayment in proportion to the new revenue.
Many practice owners are scaling while they work on a credit profile that took hits during training years or an earlier business. That is normal, and it does not have to hold back expansion. Revenue and deposit consistency carry a lot of weight in the review, so a practice with steady collections can apply now. Credit repair and funding are separate services; one is not a condition of the other. Our guide to how revenue offsets credit walks through why.
We cannot promise same-day money, and you should be cautious of anyone who does. What we can say: the application takes about 5 minutes, decisions move quickly, and qualified practices can be funded in as little as 24 hours. Faster timing depends on the file and the bank.
Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express. Credit building is a separate service; you can apply now based on revenue while working on credit independently. Learn more in what funders look at.
Have your recent statements on hand and start your application. You will have a clearer view of your options before your next provider starts.
No. The review relies on about three months of business bank statements, not patient records.
Yes, many types of healthcare practices can apply. We serve established practices doing roughly $60K or more a month.
It often is, since the equipment typically serves as collateral for the financing.
We do not promise that. Qualified practices can be funded in as little as 24 hours, with anything faster depending on the file and bank.
The process starts with a soft credit pull.
Example uses for illustration only.
Practices with clear, steady deposits make for quicker file reviews.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding