Medical Practice Loans Up to $5M
Fast financing for doctors, dentists, vets, and healthcare practices.
Prime Business Care provides medical practice loans for physicians, dentists, veterinarians, and specialty healthcare providers. Get equipment financing, working capital, practice acquisition loans, and lines of credit designed around the unique revenue patterns of medical practices. Funded in 24-48 hours.
Business Loans Designed for Healthcare Practices
Medical practice loans from Prime Business Care are built for how healthcare businesses actually operate: insurance reimbursement delays, expensive specialized equipment, facility buildout costs, long patient acquisition cycles, and the unique challenges of starting or buying a medical practice.
Whether you're a primary care physician opening a second location, a dentist upgrading to digital imaging, a veterinarian buying a practice, or a specialty provider expanding services — we have funding products that match your practice's stage of growth. Medical professionals typically qualify for better rates than other industries due to stable income patterns and excellent repayment track records.
From a $75,000 working capital loan to cover payroll during insurance reimbursement delays, to $500,000 equipment financing for new imaging systems, to $2 million+ practice acquisition loans — we serve every type of healthcare practice. 24-48 hour approvals. Flexible credit requirements. Section 179 tax benefits available.
Unique Cash Flow Challenges in Healthcare
Running a medical practice comes with cash flow realities unlike any other business. Here's why fast funding is often essential for healthcare practices.
Insurance Payment Delays
Insurance reimbursements can take 30-90 days. You provide care today but don't get paid for months while payroll and overhead continue.
Expensive Equipment
MRI machines, digital X-rays, CT scanners, dental chairs, surgical systems — medical equipment easily costs hundreds of thousands to millions.
Facility Buildout Costs
Medical office buildouts require specialized plumbing, electrical, and compliance work. Starting or relocating a practice takes serious upfront capital.
Student Loan Burden
Many doctors carry significant student debt that lowers personal credit despite high income. Traditional lenders often miss this context.
Staffing & Payroll
Medical assistants, front desk, nurses, and technicians — payroll never stops even during slow patient weeks or insurance disputes.
Growth Investments
Adding services, expanding locations, buying partner equity — growth in healthcare requires capital that repays over years, not months.
Medical Practice Loan Products
Multiple funding products tailored to healthcare practice needs. Pick the right product for your situation.
Medical Equipment Financing
Finance MRI, CT, ultrasound, digital X-ray, dental chairs, surgical systems, and lab equipment. Equipment secures the loan — easier qualification. Section 179 tax deduction eligible.
Learn about equipment financing →Practice Working Capital
Short-term loan for payroll, supplies, rent, and operations. Fixed weekly or monthly payments. Ideal for bridging insurance reimbursement delays and managing predictable cash flow gaps.
Learn about working capital →Practice Line of Credit
Revolving credit line for ongoing needs — equipment repairs, seasonal fluctuations, unexpected expenses. Only pay interest on what you draw. Perfect for mature practices with predictable operations.
Learn about lines of credit →Practice Merchant Cash Advance
Fast funding for established practices based on revenue. Ideal for practices with lower credit or urgent capital needs. Repayment flexes with monthly deposits.
Learn about MCA →What Medical Practices Use Business Funding For
Medical practice loans cover virtually every practice expense. Here's what our healthcare clients use funding for most often.
Medical Equipment
Imaging systems, surgical equipment, dental chairs, lab instruments, and specialty tools.
Practice Acquisition
Buy an existing practice, partner buyouts, or acquire specialty divisions from retiring doctors.
Office Renovation
Waiting room upgrades, exam room buildouts, ADA compliance, and brand refreshes.
New Locations
Open a second or third office. Lease deposits, buildout costs, and initial staffing.
Payroll Coverage
Bridge insurance reimbursement gaps without missing payroll for staff and associates.
EHR & Technology
Electronic health records, practice management software, telemedicine platforms, and IT infrastructure.
Marketing & Growth
Patient acquisition campaigns, referral programs, SEO, and brand development.
Working Capital
Rent, utilities, supplies, insurance premiums, and day-to-day operational expenses.
New Services
Launch new specialty services, add providers, or expand into adjacent care areas.
How Medical Practices Qualify for Business Loans
Our medical practice loan requirements are realistic for healthcare businesses. Here's what you need to qualify.
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6+ Months in Business
Operating your practice at least 6 months. New practices can access equipment financing immediately using equipment as collateral.
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$15,000+ Monthly Revenue
Minimum $15K in monthly gross revenue verifiable through practice bank deposits. Higher revenue unlocks larger funding amounts.
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500+ Credit Score
FICO scores as low as 500 accepted for MCA. Most medical professionals easily meet higher-rate product minimums.
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Active Medical License
Valid state medical, dental, veterinary, or specialty license. License must be current and in good standing.
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Practice Bank Account
Dedicated business checking account showing regular insurance deposits and patient payments.
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Malpractice Insurance
Active malpractice insurance coverage appropriate for your specialty. Required for most product types.
Healthcare Practices We Fund
From solo practitioners to multi-location groups, we fund every type of medical and healthcare practice.
Primary Care
Dental Practices
Veterinary Clinics
Ophthalmology
Mental Health
Orthopedics
Specialty Care
Chiropractic
Imaging Centers
Urgent Care
Lab & Diagnostics
Pharmacies
Why Healthcare Professionals Choose Prime Business Care
Medical practice loans are one of our strongest categories. Here's why doctors, dentists, and vets prefer us over banks and other lenders.
24-48 Hour Funding
MCA and working capital products fund within 24-48 hours. Equipment financing 5-10 days. Industry-leading speed for healthcare.
Section 179 Eligible
Equipment financing qualifies for Section 179 tax deduction — deduct the full equipment cost in year one on qualifying purchases.
Healthcare Specialists
Our team understands medical practice economics — insurance reimbursement, RVUs, malpractice, specialty-specific cash flow patterns.
Practice Growth Partners
We fund initial purchases, expansions, new locations, and equipment upgrades as your practice grows. Long-term funding relationship.
Multiple Products
Equipment financing, working capital, lines of credit, MCA, practice acquisition — all under one application.
Dedicated Specialist
Work with one specialist who understands your practice from first call through funding and renewals. No runaround.
Medical Practice Loan FAQ
Common questions from doctors, dentists, and healthcare practice owners about business funding.
What are medical practice loans?
Medical practice loans are financing products for doctors, dentists, veterinarians, and other healthcare professionals. They include practice acquisition loans, equipment financing for medical devices and imaging systems, working capital for payroll and operations, lines of credit for ongoing needs, and expansion funding for new locations or services.
Can I finance medical equipment?
Yes. Prime Business Care finances all types of medical equipment — MRI and CT imaging, ultrasound, digital X-ray, dental chairs, surgical equipment, laboratory instruments, EHR systems, and specialty tools. Equipment secures the loan making qualification easier. Section 179 tax benefits available for qualifying purchases.
How do medical practices qualify?
Medical practices typically qualify based on practice revenue, time in operation, and provider credentials. Most products require $15,000+ monthly revenue and 6+ months in business. Healthcare professionals often qualify for better rates than other industries due to stable income patterns and lower default rates.
What can I use the funds for?
Medical practice loans can be used for practice acquisitions, equipment upgrades, office renovations, new locations, working capital, payroll coverage during insurance payment delays, marketing and patient acquisition, technology and EHR systems, expansion into new services, and buying out a retiring partner.
How fast can I get funded?
Most medical practice loans through Prime Business Care are approved within 24 to 48 hours and funded within 2 to 5 business days. Equipment financing for large medical devices may take 5 to 10 business days due to vendor verification. Working capital MCA products can fund same-day for established practices.
Can new medical practices get loans?
Yes. Practices with 6+ months of operating history qualify for most products. Brand new practices can access equipment financing immediately because the equipment serves as collateral. Practice acquisition loans are also available for doctors buying existing practices with proven revenue history.
How much can a medical practice borrow?
Medical practice loan amounts range from $10,000 for small equipment purchases up to $5,000,000+ for practice acquisitions and major facility buildouts. Most practices qualify for 80% to 150% of monthly gross revenue for working capital. Equipment financing amounts depend on the equipment's value and useful life.
Do I need good credit?
Medical professionals typically have strong credit, but we accept FICO scores as low as 500 for MCA products, 550 for equipment financing, and 600+ for lines of credit. Many doctors with student debt have fair credit despite high income — we evaluate the full practice picture, not just FICO.
Apply for a Medical Practice Loan Today
Get approved in 24-48 hours. Soft credit pull only. All healthcare specialties welcome. Section 179 eligible.
Start Your Application