Healthcare Business Loans
Your patients come first. Your cash flow shouldn’t be an afterthought.
Get $5,000–$10,000,000 to cover payroll, purchase medical equipment, fund facility upgrades, and grow your practice, funded in as little as 24 hours.
Simple, fast, and clear
How Healthcare Business Financing Works
Healthcare is cash flow-constrained not because practices aren’t profitable, but because of the gap between when care is delivered and when payment arrives. Insurance reimbursements can take 30, 60, even 90 days to process, and Medicare and Medicaid follow their own cycles. Meanwhile staff get paid every two weeks, the lease is due the first of the month, and supplier terms rarely stretch as far as the payers do. In practice: it’s mid-February, your practice had a strong January, but those claims are still processing while payroll is due Friday, supplies need restocking, and your autoclave needs servicing. The revenue is real. It just isn’t in your account yet. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how healthcare businesses actually operate. A business line of credit revolves: draw to cover payroll and operating costs during reimbursement cycles, repay when payments clear, and draw again. A business term loan is a lump sum for larger investments, such as a new exam room, a facility renovation, or the equipment your patients need. Equipment financing acquires diagnostic tools, imaging systems and treatment equipment without depleting working capital.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a practice coming off a strong January can still be declined in February. Banks are not built to underwrite against revenue that arrives unevenly, or months after the work is done, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Healthcare Financing for Every Situation
The right financing depends on where your healthcare business is right now.
Covering Payroll Between Reimbursements
Insurance reimbursements, Medicare payments, and patient billing cycles don’t align with your payroll schedule. A business line of credit gives your practice revolving access to working capital. Draw what you need to cover staff costs when reimbursements are delayed, repay it when payments clear, and draw again next cycle. For a practice carrying a large book of unpaid claims, invoice financing advances the value of those claims directly. No reapplying. No fixed monthly payment when you’re not using it.
Purchasing or Upgrading Medical Equipment
From diagnostic imaging and ultrasound systems to dental chairs, surgical tools, and EHR infrastructure, medical equipment is among the largest capital expenses a practice faces. Equipment financing and business term loans let you acquire the equipment your patients need without a cash flow disruption, with repayment terms structured to fit your revenue cycle.
Expanding or Opening a New Location
Adding an exam room, acquiring a retiring physician’s practice, or opening a second location are all high-leverage growth moves, and all require significant upfront capital. A business term loan or SBA 7(a) financing provides the lump-sum funding to execute your expansion without disrupting your current patient operations.
What Healthcare Businesses Use Business Loans For
Healthcare financing is built around the cash-flow realities of medical practices, which include slow insurance reimbursements, expensive equipment, and the need to maintain liquidity through unpredictable patient volumes. Here are the most common ways healthcare providers put working capital to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Healthcare businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“He was knowledgeable and patient. He explained everything to me in detail. I felt safe choosing SBG over another company. SBG offered me 3 times more than their competitors. I look forward to working with them in the future.”
$3B+
Funded since 2017
via Trustpilot
I would have picked a 6 star rating if you had one. Sean and Rob have been wonderful to work with. They worked so hard to help my company achieve the finish line, and were in constant communication with me. They created a good and reliable source for future funding for Medsolutions Compounding Pharmacy.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He made the process very smooth and was available to answer any questions or concerns that I had. I look forward to us having a long partnership together and helping my business grow. Thanks again!
85%
Approval rate
via Trustpilot
I write very, very, very few reviews, and Sean Portmann earned this one. When I needed funding for my healthcare business, Sean went above and beyond at every turn. He broke down every option so I could make informed decisions and fought to get the deal done when underwriting threw curveballs. This man genuinely cares about his clients’ success.
A
BBB rating
via Better Business Bureau
He was kind, prompt with his responses and answered all of my questions. Everything was completed in just one day and the funds were in my account quickly. I would highly recommend this service for anyone in need of business funding!
4.9
Google rating
via Better Business Bureau
He made the process for financial funding extremely easy for me. I will definitely recommend services.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many healthcare practices with scores between 500 and 620 have qualified based on strong deposit history despite reimbursement timing variability.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s healthcare business loans are unsecured. You are not required to pledge medical equipment, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
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SBG Funding works with a wide range of healthcare businesses, including medical practices (primary care, specialty, and urgent care), dental and orthodontic practices, chiropractic offices, physical therapy and rehabilitation centers, mental health practices, veterinary clinics, optometry practices, and outpatient surgical centers. As long as your business meets the basic requirements of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your healthcare specialty does not affect eligibility.
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Yes. SBG Funding evaluates your overall revenue history and deposit patterns, not just your current month’s cash position. Healthcare practices with delayed or irregular cash flow due to insurance, Medicare, or Medicaid reimbursement cycles are a common profile for us. We look at annual revenue consistency and total deposit volume, not whether this particular month was slow.
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Yes. Both business term loans and dedicated equipment financing can be used to purchase medical equipment, including diagnostic imaging systems, ultrasound machines, dental chairs, surgical tools, EHR hardware, and patient monitoring equipment. Equipment financing often provides longer repayment terms for larger purchases and uses the equipment itself as collateral.
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Yes. SBG Funding offers SBA 7(a) financing, which is well-suited for healthcare practice acquisitions, large facility expansions, and major equipment purchases. SBA financing provide larger amounts and longer repayment terms than conventional business loans. Qualification requirements are more stringent, contact our team to discuss whether SBA is the right fit for your situation and timeline.
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Yes. Practice acquisition is one of the most common uses of healthcare business financing. Whether you’re purchasing a retiring physician’s patient base and equipment, acquiring a competing practice, or buying into a partnership, SBG Funding can structure financing to cover the acquisition cost. SBA 7(a) financing or a business term loan is typically the best fit for acquisitions of this scale.
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Your practice must have been in operation for at least 6 months to qualify for most SBG Funding programs. If you opened recently, we recommend applying once you’ve reached the 6-month threshold with consistent monthly revenue. Practices with strong early deposit history and high patient volume may qualify at or shortly after the 6-month mark, contact us to discuss your situation.
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Ready to Keep Your Practice Growing?
Whether you need to bridge a gap between insurance reimbursements, invest in new medical equipment, or expand into a second location, SBG Funding has healthcare financing options built for how medical practices actually operate. Apply online in minutes. No collateral, no hard credit pull, no obligation.