Medical practice loans, simplified.
From new diagnostic equipment to expanding your patient capacity — we connect healthcare providers with financing designed around the realities of running a practice.
The Challenge
Running a practice means managing more than patients
Medical practices face a unique combination of high upfront costs, delayed insurance reimbursements, and constant pressure to invest in technology and staffing. Without the right capital strategy, even profitable practices can run into cash flow problems.
Equipment & Technology
Imaging systems, diagnostic tools, dental chairs, and EHR platforms require major capital outlays to stay competitive and compliant.
Staffing & Recruiting
Hiring physicians, nurses, hygienists, and administrative staff is expensive — especially when scaling to meet growing patient demand.
Office Buildout & Expansion
Opening a new location, adding treatment rooms, or renovating a waiting area takes significant capital that most practices don't have sitting idle.
Insurance Reimbursement Delays
Payer cycles of 30 to 90 days mean revenue is earned but not collected — creating persistent gaps between delivering care and getting paid.
Financing Options
Choose the right financing for your practice
Whether you're a solo practitioner or a multi-location group, our products are designed to match the way healthcare businesses operate.
Business Line of Credit
Revolving credit to cover payroll, supplies, and operating costs between insurance reimbursement cycles. Draw only what you need, when you need it.
- Amount
- $5K – $250K
- Speed
- 1–2 days
- Min. FICO
- 600+
Business Term Loan
A lump sum with fixed payments for large investments — a full office buildout, practice acquisition, or opening a second location across town.
- Amount
- $5K – $500K
- Speed
- 2–5 days
- Min. FICO
- 650+
Equipment Financing
Finance up to 100% of medical and dental equipment — imaging machines, treatment chairs, autoclaves, and more. The equipment serves as its own collateral.
- Amount
- Up to 100%
- Speed
- 2–7 days
- Min. FICO
- 600+
Revenue-Based Financing
Receive a lump sum based on your practice's revenue — repaid as a percentage of daily or weekly collections. Built for speed when you can't wait on a traditional lender.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Invoice Financing
Unlock cash from outstanding insurance claims, patient receivables, and third-party payer invoices. Advance up to 90% of the invoice value within 24 hours.
- Amount
- Up to 90%
- Speed
- 24 hours
- Min. FICO
- 600+
Not sure which product fits?
Our advisors understand healthcare financing and can help match you with the right solution for your practice.
Talk to an AdvisorEligibility
Do I qualify for medical practice financing?
Minimum Qualifications
- 500+ personal FICO (varies by product)
- At least 3 months in business
- $4,000+ in monthly revenue
- Active business checking account
What You Need to Apply
- Basic info about your practice
- Last 3 months business bank statements
- Owner identification
- 3–5 minute application
Applying is free and won't impact your credit score.
Funding Estimator
How much could your practice qualify for?
Select your credit range and monthly revenue to see an estimated funding amount.
Free to apply · No credit impact
*Results shown are for general informational purposes and illustration only, and are not to be treated as an offer. Applications are subject to approval.
Use Cases
How medical practices use Ridgepeak Capital
Upgrading to a digital imaging system
A dental practice needs to replace aging panoramic X-ray units with a 3D CBCT scanner. Equipment financing covers the full cost at $140K with the system itself as collateral — keeping cash reserves intact.
Equipment FinancingCovering payroll during a reimbursement delay
A dermatology practice with 12 staff members is waiting on $95K in insurance payments that are 60 days overdue. A line of credit keeps payroll running on time without disrupting operations.
Line of CreditBuilding out a second office location
A growing family medicine practice signs a lease on a new suite and needs $250K for construction, furniture, and equipment. A term loan provides the lump sum with predictable monthly payments over 3 years.
Term LoanLaunching a patient acquisition campaign
An orthodontics practice wants to invest $40K in digital marketing and community outreach to fill its schedule. Revenue-based financing delivers capital within 24 hours with repayment tied to collections.
Revenue-Based FinancingHow It Works
From application to funding in three steps
Apply in minutes
Complete our quick online application in under 5 minutes. No paperwork, no faxing, and no impact to your credit score.
Get matched
Our platform evaluates your practice's profile and matches you with the best financing options from our network of 75+ lenders.
Get funded
Choose the best offer and access capital in your business account in as little as 24 hours. Put it to work immediately.
FAQs
Common questions about medical practice financing
Everything healthcare providers need to know before applying.
What types of financing are available for medical practices?
Medical practices can access business lines of credit for operational expenses, term loans for office buildouts and acquisitions, equipment financing for diagnostic and treatment hardware, revenue-based financing for fast working capital, and invoice financing to accelerate collections from insurers and third-party payers.
Can I get a medical practice loan with bad credit?
Yes. Revenue-based financing is available with FICO scores as low as 500 and qualifies based primarily on your monthly collections rather than credit history. Other products like lines of credit and equipment financing generally require a 600+ score. Each product has different criteria, so there are options across most credit profiles.
How fast can a medical practice get funded?
Revenue-based financing and invoice financing can fund in as little as 24 hours after approval. Lines of credit typically fund in 1 to 2 business days. Term loans and equipment financing usually take 2 to 7 business days depending on the amount and documentation. The application itself takes less than 5 minutes.
What can I use a medical practice loan for?
Medical practice financing can be used for diagnostic and treatment equipment, office renovation and buildout, EHR and practice management software, staff hiring and payroll, marketing and patient acquisition, lease deposits for new locations, or bridging gaps caused by slow insurance reimbursements. Funds are deposited directly to your business account.
Do I need collateral for a medical practice loan?
Not for all products. Revenue-based financing and business lines of credit are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral, so you don't need additional assets. Term loans may require a personal guarantee depending on the lender and loan amount.
How much can a medical practice borrow?
Funding amounts range from $5,000 to $2 million depending on the product, your annual revenue, and time in business. Most medical practices qualify for $50K to $500K based on their monthly collections and patient volume. Revenue-based financing offers the widest range, while lines of credit max out at $250K.
Ready to invest in your practice?
Apply in minutes. No impact to your credit score, and funding can arrive in as little as 24 hours.
Apply NowHave questions? Talk to an advisor.
Our team understands healthcare financing and can help you find the right solution for your practice.
Contact Us*The content provided on this page reflects the opinions and insights of Ridgepeak Capital, based on our research, methodologies, evaluations, and various additional considerations. This information is accurate as of the initial publication date. Ridgepeak Capital makes every effort to update and maintain the accuracy of this content, however, the information may differ from what you may find on other platforms. All information is presented without any warranty. We encourage you to carefully review the terms and conditions, relevant policies, contractual agreements, and all applicable details of the financial institution when considering offers. The ranges mentioned here do not represent pre-qualified offers. Ranges may be greater or less based on the information provided in your business financing application. Ridgepeak Capital may receive compensation from financial institutions reviewed on this page if you proceed to obtain business financing through them.