Reviewed nationwide, all 50 states
Medical practice financing: funding built for the insurance reimbursement lag
Medical and dental practices treat patients weeks before insurance actually pays. SmallByzLoans reviews medical practice financing from $10,000 to $10,000,000, considers mid-600 credit profiles, and the short form runs a soft credit check only.
Why Medical Practice Cash Flow Is Different
Healthcare practices face an average insurance reimbursement lag of 45 to 60 days, a gap that exists even in a fully booked, thriving practice. Payroll, supplies, and equipment payments do not wait on a claims processor, which is why so many otherwise healthy practices still need a bridge between delivering care and actually being paid for it.
Medical practice financing: what actually fits
Who qualifies
- Mid-600 credit score, or a profile that is actively improving, considered alongside revenue
- No hard credit check to review your options, the short form runs a soft check only
- Business bank deposits or steady revenue
- Funding from $10,000 to $10,000,000
For a deeper, more detailed breakdown, read Medical Practice Financing: Equipment & Expansion on the SmallByzLoans blog.
How to apply
01
Submit the 60-second form
Revenue, credit range, requested amount, and funding purpose. No documents required to start.
02
A funding specialist reviews your file
Matched against the programs that fit your business.
03
Complete the full application
Review your rate and terms before you sign, then receive funds.
Patient Care Cannot Wait on a Claims Processor
Start with the 60-second form. No documents, no hard credit check, no cost to check your options.
Frequently asked questions
Q01Can I get medical practice financing with bad credit?
Often, yes. SmallByzLoans weighs revenue and deposits alongside your credit score. Mid-600 profiles are commonly considered.
Q02Can I finance equipment separately from working capital?
Yes. Equipment Financing is reviewed as its own program, with the equipment as collateral, so it does not compete with working capital for the same credit line.
Q03Is there practice financing with no credit check?
The short form runs a soft check only, so checking your options does not affect your credit score. A hard credit check may still occur later in a full application with a specific lender.
Q04Can a newer practice qualify?
Newer practices are reviewed, particularly for equipment financing, since it weighs the equipment itself more heavily than years in operation.
Q05What can medical practice financing be used for?
Common uses include diagnostic or treatment equipment, a build-out or new location, payroll, and bridging the reimbursement cycle.
Q06Is medical practice financing available near me?
SmallByzLoans reviews requests in all 50 states, so there is no local office required. Wherever your practice is located, the same 60-second form starts the review.
Financial disclaimer: This page is for general informational purposes and does not constitute financial, legal, or tax advice. Rates, terms, and underwriting standards vary by lender and are not set by SmallByzLoans. Speak with a qualified financial professional before signing. Credit approval is subject to lender standards, and actual terms, rates, and funding amounts vary by applicant and lender.