Medical practice loans, fast.

Apply for financing today to grow your practice, upgrade your equipment, or cover day-to-day costs.

One application

75+ lenders

Multiple offers*

We’re here to support your practice.

Medical professionals appreciate that Lendio helps them secure funding without the hassle.

Sahil Dosaj

APRIL 26, 2022


Rocky Christensen from Lendio helped me secure a business loan

Rocky Christensen from Lendio helped me secure a loan for purchasing my medical building. He put me in contact with Monarch Financial. Working with them was a pleasure. They are both very attentive to details and highly responsive to any questions. They made the process easier and stress free. I would highly recommend them.

M Colvin DO

FEBRUARY 17, 2021


We are so grateful for the Lendio Application process!

The process was fairly easy to follow, there were directions for every step. We recommend printing the list of what you may need to upload to make the application process go smoothly without timing out. We were able to log in to view the process step by step. Thank you and Thank You to our Hartford. Insurance for partnering with you and letting us know! We highly recommend Lendio, you helped save our private medical practice during this trying time.

Dr Marianne Goodman

June 3, 2020


Well done job for a somewhat unconventional client

Once the issue of organizational documents was cleared up (there are none since I am a single practitioner in the medical field unincorporated and unaffiliated with other partners or organizations) the process was smooth and executed efficiently and speedily. Thank you for your assistance especially in the face of all the confusion and difficulty finding a lender.

Lendio knows the medical industry.

Whether you’re a doctor, dentist, chiropractor, or other medical specialist, with Lendio, you can explore various financing options to find the one that suits your practice’s next major step. Use funds to:

Doctor using an ipad to gather patient info

Bridge capital between insurance payments

Purchase medical supplies and equipment

Refinance debt

Pay your staff

Invest in patient outreach and marketing

1. Tell us about your business.

Answer a few simple questions and complete the application in minutes.

2. Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

3. Compare offers.

Find the funding option with the terms that best fit your small business goals.

4. Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

A comprehensive guide to medical practice loans

What is a medical practice loan?

A medical practice loan provides working capital to medical professionals with a private practice. While some lenders may offer personal loans to healthcare practitioners, a loan made to a medical practice is a business loan used for the purchase of running and growing the practice.

How do medical practice loans work?

Medical practice loans work similarly to other business loans, where a lender provides a lump sum of money repaid over time with interest. The amount you can borrow, interest rates, and repayment terms will vary depending on the specific lender and your financial qualifications.

What are the requirements for a healthcare practice loan?

The requirements for a healthcare practice loan will vary depending on the lender and type of loan you are applying for. Generally, lenders will consider factors such as your credit score, revenue and financial history, time in business, and any collateral that can be used to secure the loan.

How can you use a medical practice loan?

Medical practice loans can be used for a variety of purposes. Some common uses include:

  • Purchasing new equipment or technology
  • Expanding your practice or opening a new location
  • Hiring and training additional staff
  • Refinancing existing debt to lower interest rates and monthly payments
  • Covering operating expenses during slow seasons or cash flow gaps

Who offers medical practice loans? 

Traditional banks, online lenders, and alternative financing companies can offer medical practice loans.

  • Traditional banks: Established financial institutions that offer competitive interest rates and long-term financing options, often requiring extensive documentation and a strong credit history.
  • Online lenders: Digital platforms that provide faster approval processes and flexible terms, catering to borrowers with varying credit profiles.
  • Alternative financing Companies: Specialized lenders offering innovative funding solutions, such as business cash advances, often with less stringent qualification requirements.

At Lendio, we partner with over 75 lenders to provide a wide range of financing options for medical practices. Our streamlined application process makes it easy for healthcare professionals to explore and compare offers from multiple lenders. 

How to get a medical practice business loan.

Securing a medical practice business loan can be a straightforward process if you follow these steps:

  1. Assess your financial needs: Before applying for a loan, evaluate your required funding and how it will be used. This could be for upgrading equipment, expanding your office, or covering operational costs.
  2. Check your credit score: A strong credit score can improve your chances of securing a loan with favorable terms. Obtain a copy of your credit report and address any discrepancies or issues.
  3. Gather necessary documentation: Prepare essential documents such as business financial statements, tax returns, and your business license.
  4. Research lenders: Explore various lenders and compare their offerings, including interest rates, loan terms, and qualification requirements.
  5. Complete the application: Fill out the loan application, providing accurate and thorough information. Ensure that all required documents are attached to avoid delays in processing.
  6. Submit your application: Once your application is complete, submit it to the chosen lenders. If you’re using a platform like Lendio, we will present your application to multiple lenders, increasing your chances of getting the best offer.
  7. Review offers: After submitting your application, you’ll receive loan offers from different lenders. Evaluate these offers carefully, considering interest rates, repayment terms, and any additional fees.
  8. Select the best offer: Choose the loan offer that fits your practice’s financial needs and long-term goals. Read the fine print and clarify any uncertainties with the lender.
  9. Receive Funding: Once you accept an offer, the lender will process your loan, and you could receive the funds in your bank account within a short period, often as quickly as 24 hours.

By following these steps, you can efficiently navigate the process of obtaining a medical practice business loan, ensuring that you secure the financing you need to support and grow your medical practice.

Types of business loans for medical practices.

Medical receivables factoring

Medical factoring is a financial solution that helps medical practices manage their cash flow by converting outstanding invoices into immediate working capital. This type of financing is useful for healthcare providers who experience delays in payments from insurance companies or those who need quick access to funds to cover operational costs.

TERM LENGTH

1-12 months
MAX LOAN AMOUNT

$1 million

Term loan

A term loan is a traditional financing option where a borrower receives a fixed amount of money upfront and repays it over a set period with regular, consistent payments. This type of loan is ideal for medical practices needing a substantial sum to cover significant expenses such as purchasing new equipment, renovating the office, or expanding services. Term loans generally offer lower interest rates compared to other loan types, especially when secured by collateral..

TERM LENGTH

6 months-10 years
MAX LOAN AMOUNT

$2 million

SBA loan

An SBA (Small Business Administration) loan is a government-backed loan designed to support small businesses. This type of financing typically offers lower interest rates and longer repayment terms compared to traditional business loans. SBA loans can be used for a wide range of purposes, including purchasing equipment, expanding your practice, refinancing existing debt, or covering operational costs.

TERM LENGTH

10-30 years
MAX LOAN AMOUNT

$5 million

Line of credit

A line of credit provides medical practices with flexible access to funds up to a predetermined limit, allowing them to draw on the amount needed when expenses arise. This type of financing is ideal for managing fluctuating cash flow needs, such as covering emergency repairs or purchasing supplies. Interest is only charged on the amount borrowed, making it a cost-effective option for practices with varying financial demands.

TERM LENGTH

6-24 months
MAX LOAN AMOUNT

Up to $250,000

Equipment financing

Equipment financing allows medical practices to purchase or lease the necessary equipment without the burden of paying the full amount upfront. This type of loan is specifically designed to cover the cost of medical devices, machinery, and technology, ensuring that your practice remains well-equipped with the latest tools.

TERM LENGTH

1-5 years
MAX LOAN AMOUNT

$5 million

Compare loan options from multiple funders.

Applying is free and won’t impact your credit.
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