Funding that knows the reimbursement cycle.
The core problem in healthcare finance is timing. You delivered the service this morning. Your payer will pay you in 60 days. Your equipment lease, your EHR subscription, your staff, and your landlord all need to be paid this week. Even a practice running at a solid profit feels cash-poor most of the month because of the structural lag.
AR financing against insurance receivables is usually the fastest fix. Lenders will advance 80 to 85 percent of expected reimbursement, so capital sitting in aged claims starts working for you today. Equipment financing handles everything from panoramic imaging to dental chairs to in-office labs. SBA loans up to $5M take on the bigger moves: a second location, a full buildout, buying out the retiring doctor next door.
- Upgrading imaging, dental, and diagnostic equipment without draining reserves
- Opening a second location or expanding the current one
- Covering payroll and operating costs while insurance reimbursement is in flight
- Acquiring a retiring colleague's practice or a competing one
We have done this before. A lot.
AR financing on insurance receivables - paid on the work you already did, not 60 days from now
Equipment financing for medical, dental, and diagnostic hardware, with terms up to seven years
SBA loans up to $5M for practice acquisitions, second locations, and major buildouts
Lenders who actually read a payer mix and a HIPAA-compliant workflow without blinking
The products that actually move the needle here.
Things healthcare owners ask first.
Yes. Equipment programs generally cover qualifying hardware and software together, including EHR, practice management, and revenue cycle platforms. Bundle them into one financing request rather than running parallel approvals.
The lender advances 80 to 85 percent of your expected reimbursement on outstanding claims. You get the capital now. As claims pay, the advance clears. It behaves more like a revolving line than a one-time loan, so once the facility is in place you can pull from it on any cycle you need to.
Yes. SBA loans support new practice acquisitions and start-ups specifically, with longer amortization and lower down payments than conventional bank debt. If you are coming out of residency and buying into or starting a practice, SBA is almost always the right first conversation.
Funding built around healthcare.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.