Medical, dental, and wellness practices have strong, predictable revenue — and a cash-flow quirk banks underestimate: insurance reimbursements arrive 30–90 days after the work is done. Alternative funding bridges that cycle and finances growth without months of bank committee review.
What practices fund most
- Equipment — imaging, chairs, lasers, diagnostic tech that pays for itself per patient
- Build-outs & expansion — another operatory or exam room, a second location
- Staffing — hygienists, techs, front office; capacity drives revenue
- Reimbursement bridge — cover payroll and rent while claims process
- Marketing — patient acquisition campaigns with measurable ROI
Which program fits a practice
For equipment or a build-out with a fixed budget, a business term loan gives predictable payments that map to the asset's payback period. For reimbursement-cycle gaps and staffing ramp, working capital moves fastest. Practices with heavy card collections (cosmetic, dental, wellness) also review well for MCA programs.
💡 Credit nuance: practice owners often carry high personal student debt, which drags scores into the 600s. Revenue-based underwriting reads your deposits first — the degree debt matters less than the deposit history. See what a 650 score qualifies for.
Typical qualifying profile
- 6+ months of patient revenue
- $15K+ monthly deposits (insurance + patient-pay combined)
- Owner credit in the 600s or better
- Statements and ID ready — the document checklist covers it
Approval and terms are subject to lender underwriting.
Grow the practice without waiting on the bank
60-second form, reviews that understand reimbursement cycles.
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