Medical / Dental working capital & funding
Insurance + patient-pay mix; insurance reimbursement creates 30-90 day AR float. High monthly revenue once established but cash conversion lags. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.
Common uses of capital in medical & dental practice
- Equipment upgrades (imaging, lasers, sterilization)
- EHR / practice management software implementation
- Operatory build-out or additional chairs
- Acquiring an associate's book of business
- Bridging insurance payment cycles
Best-fit funding products for medical & dental practice
- Invoice factoring — purpose-built for the insurance-AR cycle (medical factoring is a mature category)
- Equipment financing — practice equipment as collateral
- SBA 7(a) — for practice acquisitions or major build-outs
- Lines of credit — for the recurring AR-bridging need
- Seasonality & timing
- Q4 surge (deductibles met, FSA spend-down); Q1 slow (deductible reset).
- Qualification benchmark
- Established practices doing $80K+ monthly qualify across the product stack; new practices benefit most from equipment financing + SBA.
- Relevant NAICS codes
- 621111, 621210, 621310, 621320, 621330, 621410, 621420, 621498
Other industries we work with
Go deeper on healthcare working capital
This page is the short version. The full breakdown — reimbursement timing, equipment financing versus paying cash, buildouts, associate buy-ins, and the reasons medical offices, dental clinics and outpatient practices run short of working capital — is here:
Healthcare working capital for medical, dental and clinic practices →
Ready to apply?
3-minute prequalification. No SSN/EIN at this stage. A funding specialist follows up within 1 business day.
Apply for funding →Want the full breakdown? Read our in-depth Medical & Dental Practice Financing guide →