Equipment financing
Acquire imaging systems, chairs, lasers, lab equipment, and technology while spreading the cost over the equipment's useful life.
Industries we serve
Business Loans for Medical Practices & Healthcare
Medical, dental, and other healthcare practices face a unique financial picture. Equipment is expensive and constantly evolving, build-outs for new operatories or exam rooms require significant upfront investment, and insurance reimbursements often arrive weeks after services are provided. Practices also carry high fixed costs—staff salaries, lease payments, malpractice coverage, and compliance—that don't pause when reimbursement cycles slow down. For owners looking to add providers, open a second location, or upgrade technology, the capital needed frequently exceeds what the practice has on hand.
Alta Business Loans helps physicians, dentists, veterinarians, chiropractors, optometrists, and other healthcare practice owners explore financing structured around the realities of patient billing and reimbursement cycles. As an independent broker serving all 50 states, we compare options across a network of trusted lenders so you can review several offers at once. Pre-qualification uses a soft credit pull only, so checking your options never affects your score, and our advisors can explain everything in English or Spanish.
Nationwide—All 50 states
Trusted lender network
Bilingual EN / ES
Soft-pull pre-qualification
Funding options
Top financing options for medical and healthcare practices
Healthcare financing typically supports equipment, expansion, and smoothing out reimbursement timing.
Working capital loans
Cover payroll, supplies, and fixed costs while insurance and patient payments work through the reimbursement cycle.
Business lines of credit
Maintain a flexible reserve for supply orders, seasonal slowdowns, or unexpected expenses, paying interest only on what you draw.
Practice expansion loans
Fund build-outs, new operatories, additional locations, or the acquisition of another practice with longer-term capital.
Common scenarios
Typical use cases
- Purchasing or upgrading medical and dental equipment
- Building out new exam rooms, operatories, or a second location
- Covering payroll while waiting on insurance reimbursements
- Acquiring another practice or buying in as a partner
- Investing in practice management software and technology
- Stocking supplies and covering seasonal slowdowns
Eligibility
What lenders look for
Lenders reviewing healthcare practice applications often view the industry favorably because of its stability and recurring revenue. They typically look at your time in practice, monthly collections, and bank deposits, and many place value on professional licensure and the predictability of insurance-based revenue. For equipment financing, the equipment itself frequently serves as collateral.
You can strengthen your application by keeping clean financial records, separating practice and personal finances, and being ready to document your collections and reimbursement patterns. Newer practices still have options, especially equipment financing and revenue-based products, with terms generally improving as the practice matures. Alta helps you understand each lender's criteria before you apply.
Why Alta
An independent partner in your corner
Alta Business Loans is an independent loan broker, not a single lender, which means we work for you rather than for any one funding source. When you bring us your needs as medical and healthcare practices, we compare your profile across a network of trusted lenders and bring back the options that actually fit your situation. That independence is the difference between being handed one take-it-or-leave-it offer and being able to weigh several side by side in plain language.
There's no cost to pre-qualify, no obligation to accept any offer, and no hard credit pull during pre-qualification—so exploring your options never lowers your score. Our advisors will walk you through how each option works, what it would cost, and how repayment fits your cash flow, in English or Spanish. When you're ready, applying takes under ten minutes and you can do it entirely online.
How it works
How the process works
Five simple steps from application to funding.
Apply
Complete our short online form in under 10 minutes—no document uploads to begin.
Review
An advisor reviews your profile using a soft credit pull only, so your score is never affected.
Match
We compare your profile against lenders in our network to find options that fit your business.
Approve
You review the offers and terms in plain English or Spanish and choose what works for you.
Funded
Finalize with the lender and put your capital to work—often within days.
Questions
Business Loans for Medical Practices & Healthcare: common questions
What financing is available for medical and dental practices?
Common options include equipment financing, working capital loans, business lines of credit, and longer-term expansion or acquisition loans. The right fit depends on whether you're buying equipment, smoothing cash flow, or expanding.
Will pre-qualifying affect my credit?
No. Alta uses a soft credit inquiry during pre-qualification, so reviewing healthcare financing options won't lower your score. A hard pull happens only if you proceed with a lender.
Can a new practice qualify for financing?
Yes. Newer practices often qualify for equipment financing and revenue-based products. Terms typically improve as your practice builds a track record of collections.
How does financing handle slow insurance reimbursements?
Working capital loans and lines of credit are designed to bridge the gap between providing services and receiving reimbursement, helping you cover payroll and supplies in the meantime.
How fast can a practice get funded?
Working capital and revenue-based products often fund within a few business days once approved. Equipment financing and larger expansion loans generally take longer due to documentation.
Ready when you are
Invest in your practice—apply in under 10 minutes
Pre-qualification uses a soft credit inquiry only and won't impact your score. Bilingual English and Spanish support. A Principal Funding Advisor will reach out by email to walk through your options.
Free pre-qualification · No hard credit pull · Bilingual EN/ES