A line for the payer lag
Draw when reimbursements slide and repay when they settle. Practices with steady patient volume qualify for lines from $25K to $500K, with interest only on what is drawn.
Funding for healthcare practices,
timed to reimbursement.
The care is delivered today and the payer settles in 45 days. One application, shopped to the lenders we work with that understand how practices get paid, with funding in as little as 24 hours.1 No impact to your credit score to apply.2 Amounts from $5K to $5M.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$2,544
Illustrative terms9.9% APR · 60 mo
45 daystypical wait for a payer to settle
Payroll runs every two weeks whether or not the reimbursement has arrived. A line sized to your receivables keeps the front desk staffed while the money catches up.
Capital for reimbursement gaps,
equipment and the second location
Practices are steady businesses with a slow payment cycle and expensive equipment. Lenders like that profile when it is presented properly, and we know how to present it.
Equipment that keeps procedures in-house
Imaging units, chairs, lasers and lab devices qualify for 48- to 84-month equipment loans secured by the device. Installation and training can often be rolled in.
Buy-ins and new offices
SBA 7(a) loans up to $5M fund partner buy-ins, second clinics and build-outs over 10 years, with a working-capital cushion for the opening months.
Credentials count for newer practices
Lenders that fund healthcare weigh the owner's license, specialty and projected patient volume heavily, so a practice under two years old still has real options. Bring your production or collections report, payer mix and license details. A dentist or physician with a clean credit profile and a full schedule can often qualify before the practice has a full year of deposits.
How practices get funded with FundLine
Harborlight Dental Group
$96,000 of $150,000Available to draw
$54,000Outstanding balance
Draw funds
Payroll, Sep 15$38,000
Lab and supply invoices$16,000
Next payment$2,310 on Oct 1
Reimbursements pending$71,400
- 1
Apply once
About 15 minutes. Practice details, three to six months of bank statements and, for larger amounts, a production report and a recent P&L.
- 2
Compare offers
We shop the application to the lenders we work with that fund healthcare and lay out the offers: amount, rate, term and what the equipment lender needs from the vendor.
- 3
Fund the practice
Accept the offer that fits. Lines can fund in as little as 24 hours; equipment loans take a few days for the vendor quote, SBA loans several weeks.
Talk to someone who knows
how a practice gets paid.
Our advisors have placed equipment loans, reimbursement lines and buy-in financing for dental, medical, physical therapy and veterinary practices. Bring your payer mix and your equipment wish list; we will tell you what fits before you apply.
Book a callReal people, any day of the week
What practice owners say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsHealthcare funding questions
Practices with steady patient volume tend to qualify for a business line of credit, equipment financing and term loans. Practices with a strong history are often good SBA 7(a) candidates for buy-ins and second locations. FundLine shops one application to the lenders we work with that fund healthcare.
Yes. Several lenders we work with advance funds against approved reimbursements and other receivables, turning a 45-day wait into cash this week. Terms depend on your payer mix and historical collection rate.
Often, yes. Lenders weigh the owner's credentials, personal credit and projected patient volume for newer practices, and products for offices under two years old are available. Options widen after 12 months of deposits.
Reimbursement lines commonly run $25K to $500K. Equipment loans match the device, often $30K to $300K. Buy-ins and second locations through SBA 7(a) run $250K to $5M through the lenders we work with.
Yes. Practice-management software, electronic records and telehealth setups are usually funded from a line of credit or a term loan since they are not physical assets. Chairs, imaging and lab devices qualify for equipment financing.
The application takes about 15 minutes. Lines of credit typically return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept. Equipment loans take a few days for the vendor quote; SBA loans take several weeks.
Yes. SBA 7(a) loans and conventional term loans both fund buy-ins and acquisitions, typically over 7 to 10 years. Lenders want the practice's financials, the purchase agreement and a valuation. Start early; these take six to ten weeks.
Submitting a FundLine application does not impact your personal or business credit score. Accepting a specific offer may involve a hard inquiry, which the lender discloses before you proceed.
Three to six months of business bank statements, basic practice details and, for larger amounts, a recent P&L, a production or collections report, your payer mix and professional license details. Equipment requests need the vendor quote.
Equipment financing
Imaging, chairs and lab devices on 48 to 84 months, secured by the equipment, with installation rolled in.
SBA loans
Ten-year financing for buy-ins, second clinics and build-outs, up to $5M through the lenders we work with.
Guides for practice owners
How lenders read a practice, and how to fund equipment and growth without draining reserves.
Guide
Getting ready to borrow
The checklist for a practice: statements, production reports, payer mix and license details.
Read moreGuide
Business financing, explained
Every product from a line of credit to SBA 7(a), and which fits a practice at each stage.
Read moreBlog
Preparing bank statements for a faster decision
What underwriters look for in six months of deposits, and how to present a slow month.
Read moreReady to fund
the next chair?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.