Who we fund
Healthcare Business Loans for Clinics, Home Health, and Care Providers
Yes, healthcare businesses such as clinics, home health agencies, therapy providers, and labs can get funding. Because revenue often comes from insurers and government payers on a delay, many providers use receivables-based financing alongside traditional loans for equipment and expansion.
Get matched: healthcare
The reality
Cash-flow challenges we hear every day.
Slow reimbursement from insurers and government payers
Claims to commercial insurers, Medicare, and Medicaid can take weeks to pay, and denials or resubmissions stretch that further. Staff still need to be paid every two weeks.
Staffing costs that run ahead of revenue
Nurses, therapists, aides, and billing staff are the largest expense, and hiring for a new contract or service line means paying people before the related claims are paid.
Licensing, credentialing, and compliance costs
Getting credentialed with payers, maintaining licenses, and meeting HIPAA and accreditation standards takes time and money before new revenue arrives.
Equipment and technology upgrades
Diagnostic equipment, EHR systems, and patient-facing technology are expensive and need regular updating to stay competitive and compliant.
Best-fit funding
Funding that fits healthcare.
Medical receivables financing advances cash against claims owed by insurers and payers, which helps smooth the long gap between providing care and getting reimbursed.
$10K–$5M‡1–3 days*SBA loans suit larger moves like buying a practice, opening a new location, or buying the building you operate in, with longer terms that keep payments steady.
$50K–$5M‡30–90 days*Diagnostic and treatment equipment can be financed on its own collateral, so you can add services without draining operating cash.
$10K–$5M‡2–5 days*A line of credit covers payroll during reimbursement delays and can be paid down as claims are paid, which fits uneven payer timing.
$10K–$500K‡1–3 days*What lenders look for
Typical profile for healthcare.
Lenders typically review bank statements, an accounts receivable aging report, and your payer mix. Licensing, credentialing status, and the owner's credit and industry experience also factor in, especially for SBA and term loans.
Common uses of funds
- Covering payroll while waiting on insurance and Medicare payments
- Buying diagnostic, imaging, or therapy equipment
- Opening a new clinic location or service line
- Upgrading EHR, billing, and scheduling software
- Funding credentialing and licensing for expansion
- Buying out a partner or acquiring a practice
Can a home health agency get financing?
Yes. Home health and hospice agencies often use receivables financing against Medicare and Medicaid claims, along with lines of credit for payroll. Lenders will want to see your payer mix and claims history.
Can I finance Medicare and Medicaid receivables?
Some lenders finance government receivables, but rules on assigning government payments make the structure different from standard factoring. Specialized healthcare lenders handle these arrangements.
Will lenders work with a new healthcare business?
Newer providers may qualify for equipment financing or SBA loans if the owner has strong clinical or industry experience. Receivables financing usually requires that you are already billing payers.
What documents do healthcare lenders usually ask for?
Expect bank statements, an AR aging report, tax returns, licenses, and sometimes payer contracts. Having your billing data organized speeds up review.
Funding for healthcare, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor