Direct lender · Miami, FL · Clinical practices only
Capital for the practice you already built.
Working capital and lines of credit from $25,000 to $2,000,000 for medical, dental, veterinary, therapy, behavioral health, med spa, and home-health practices. We underwrite your practice's deposits — not your personal credit score. Decision the same business day. Funded in 24 hours. Two-page contract.
Soft pull·No impact on personal credit·4-minute application·No patient data requested
The structural problem
Your money is 47 days out. Ours is here tomorrow.
A practice books revenue the day it delivers care and collects it one to three months later. The American Academy of Family Physicians puts the healthy benchmark at 30 to 40 days in accounts receivable, and treats anything above 50 days as a warning sign. Federal rules give state Medicaid agencies 30 days to pay 90% of clean claims and 90 days to pay 99%. Medicare holds electronic claims for a 14-day payment floor before a contractor can release funds.
Veterinary and med-spa practices collect at the counter instead, but carry drug, device, and laser inventory running 15% to 25% of gross revenue. Home-health agencies run payroll weekly against a claim cycle of 30 to 90 days, with labor at 60% to 70% of revenue.
None of that is a solvency problem. It is a timing problem. MedStream Capital funds the gap.
| Payer | Typical time to cash |
|---|---|
| Patient / client at point of service | Same day |
| Private pay, home care | Days to 2 weeks |
| Commercial insurance, clean claim | 14 – 45 days |
| Pet insurance (reimburses the owner, not the clinic) | 15 – 45 days |
| Medicare, electronic claim | 14-day floor, then release |
| Medicaid / MCO, clean claim | 30 – 45 days |
| Medicaid, with a denial or EVV mismatch | 60 – 90+ days |
| Personal-injury and attorney lien | 6 – 18 months |
| MedStream Capital | 24 hours |
Five products
Two we underwrite. Three through partners.
In-house underwriting is the first look on every file. If a MedStream product fits, we fund it ourselves. If the right answer is a 10-year SBA note or a claims facility, we say so and route it to the bank or specialist partner that books that paper. We will tell you which one you are getting before you sign anything.
Working Capital
$25K – $2M3 to 24 months. No FICO minimum. Four bank statements, same-day decision, funded in 24 hours.
Underwritten in-houseLine of Credit
$25K – $500KRevolving. No FICO minimum. Draws settle next business day. No fee to keep the line open and unused.
Term Loans
$50K – $5M1 to 5 years, monthly payments. Needs 24+ months in business, 600+ FICO, two years of returns. 2 to 4 weeks.
Through partnersSBA 7(a)
$50K – $5MUp to 10 years, 25 with real estate. 680+ FICO, 1.25× DSCR, 10% equity injection. 60 to 120 days to close.
Through partnersClaims Factoring
$25K – $5MAdvance 80% to 90% of billed receivables. Needs $50K+/month billed. Handled under a Business Associate Agreement.
Published in full
MedStream Capital eligibility criteria
These are our actual requirements for working capital and line of credit. There is no additional hidden screen.
| Minimum time in business | 6 months |
|---|---|
| Minimum monthly revenue | $15,000 in deposits across all business accounts |
| Minimum credit score | None. There is no FICO minimum on working capital or line of credit. |
| Funding range | $25,000 to $2,000,000 |
| Documents required | 4 months of business bank statements |
| Documents never required | Tax returns, P&L, patient records |
| Time to decision | Same business day on complete files received before 2:00 p.m. ET |
| Time to funding | 24 hours after a signed contract |
| Application time | 4 minutes |
| Contract length | 2 pages |
| Prepayment | Discount of up to 30% of the remaining balance. No prepayment penalty, ever. |
| Business location | United States — all 50 states and the District of Columbia |
| Bank account | A U.S. business checking account in the practice's legal name |
| Entity types accepted | PC, PA, PLLC, LLC, S-corp, C-corp, and sole proprietors with an EIN |
| Licensure | Active state professional or facility license for the practice or its supervising provider |
| Credit pull | Soft pull at application. No impact on personal credit score. |
Who actually gets funded. Practices with at least 6 months of operating history and $15,000 a month in deposits. In-house advances run $25,000 to $2,000,000. Practices under 24 months old are funded, but typically at $25,000 to $75,000.
Different criteria apply to SBA loans, term loans, and medical-claims factoring. Those are arranged through our bank and specialist partners and carry their own underwriting. SBA 7(a) through our partners generally requires a 680+ personal FICO, a 1.25× debt-service coverage ratio, three years of tax returns, and a 10% equity injection. Those thresholds are the partner bank's, not ours.
MedStream Capital is not a HIPAA covered entity and not a business associate. We underwrite on business financial records — bank statements, deposits, and the practice's own stated revenue. We do not request, receive, access, or store protected health information, and we do not connect to your EHR, practice management system, or clearinghouse.
Real numbers
What practices actually borrow for, and how much.
| Use of funds | Typical amount |
|---|---|
| Bridging an insurance receivable cycle (30–90 days) | $40,000 – $250,000 |
| Payroll gap against a Medicaid / MCO claim cycle | $50,000 – $300,000 |
| One operatory or exam room, equipped | $25,000 – $100,000 |
| CBCT / 3D imaging unit, installed | $80,000 – $250,000 |
| 3–4 operatory buildout (900–2,000 sq ft) | $350,000 – $750,000 |
| 5–7 operatory buildout (1,500–3,500 sq ft) | $700,000 – $1,500,000 |
| SBA equity injection (10% of project) | $40,000 – $150,000 |
| Partner / associate buy-in | $100,000 – $500,000 |
| Practice acquisition (full) | $400,000 – $3,200,000 |
| Med-spa laser or body-contouring platform | $75,000 – $200,000 |
| Second location / satellite office | $250,000 – $900,000 |
| EHR, PMS, or RCM platform migration | $25,000 – $120,000 |
| Six weeks of emergency payroll | $60,000 – $400,000 |
How it works
Four minutes to apply. Twenty-four hours to fund.
Apply in 4 minutes
Business name, EIN, monthly deposits, how much you need. Soft credit pull only — no impact on your personal score.
Connect 4 bank statements
Plaid link or PDF upload. No tax returns, no P&L, no patient records.
A human reads your file
Every file, same business day. Complete files in before 2:00 p.m. ET get a decision that day, and an underwriter calls you.
Sign two pages
Funds wire within 24 hours. Same-day wire available on files cleared before 11:00 a.m. ET.
Estimator
See your numbers. Before you apply.
The default shown is a $154,000 advance over 12 months — a worked example, not a quote. Every figure below is written into this page, so it reads the same with JavaScript switched off.
The default shown, $154,000 over 12 months, is a worked example. Your amount, cost and term are set at underwriting.
Estimates only. Your actual offer depends on deposits, time in business, and payer mix. Pricing is set at underwriting. This is not an offer of credit. Daily figures assume 21 business days per month.
Industries
Nine practice types. Nine different cash cycles.
"Healthcare" is not one business. A med spa collects 100% of its revenue at the counter. A home-health agency collects nothing at the counter and runs weekly payroll against a 30-to-90-day Medicaid cycle. Those two practices need opposite products.
Why MedStream
Direct lending, with the parts nobody publishes.
No FICO minimum. We read deposits.
A practice with a 580 personal score and $200,000 a month in clean deposits is a better file to us than a 760 score on $18,000 a month — and we price it that way.
Prepayment discount up to 30%
Pay off early and up to 30% of the remaining balance comes off. There is no prepayment penalty on any product MedStream Capital funds.
We do not stack
MedStream Capital will not fund over an undisclosed position. If you have an existing advance, tell us — we will either work around it or tell you no.
We will send you elsewhere
If you have 24 months of history, clean credit, and 90 days of patience, a partner term loan will beat an advance on cost. We say so before you sign, not after.
FAQ
Frequently asked.
What credit score do I need to get funding for my medical practice?
None. MedStream Capital has no FICO minimum on working capital or line of credit. We underwrite on your practice's bank deposits — average monthly deposits, deposit count, lowest daily balance, and negative days. SBA and term loans through our partner banks do have credit minimums, generally 680+ for SBA 7(a) and 600+ for a term loan.
How much can a dental or medical practice borrow?
$25,000 to $2,000,000 on MedStream Capital's in-house products. Partner SBA and term loans go to $5,000,000.
How fast is practice funding?
A decision the same business day on complete files received before 2:00 p.m. ET. Funds wire within 24 hours of a signed contract, and a same-day wire is available on files cleared before 11:00 a.m. ET.
What documents do you need?
Four months of business bank statements. That is it for MedStream Capital working capital and line of credit. No tax returns, no P&L, no patient records. Partner term loans and SBA files require tax returns because the partner bank requires them.
Does MedStream Capital see patient information?
No. MedStream Capital is not a HIPAA covered entity and not a business associate. We underwrite on business financial records — bank statements, deposits, and the practice's own stated revenue. We do not request, receive, access, or store protected health information. We do not connect to your EHR, your practice management system, or your clearinghouse. Section 1179 of the Social Security Act provides that HIPAA does not apply to an entity engaged in financial-institution activities, and reviewing a business's own bank statements for a credit decision is such an activity.
The one exception is medical-claims factoring, which requires claim-level detail that can constitute protected health information. MedStream Capital does not underwrite claims factoring in-house for exactly that reason — we route those files to a specialist partner operating under a Business Associate Agreement signed directly with your practice.
Can I get funding if I already have an existing loan or advance?
Sometimes, if it is disclosed. MedStream Capital does not fund over an undisclosed position, and we will find it in the bank statements. Tell us up front and we will either structure around it or consolidate it.
Is MedStream Capital a direct lender or a broker?
MedStream Capital is a direct lender. We underwrite and fund working capital and lines of credit ourselves. Term loans, SBA 7(a) loans, and medical-claims factoring are arranged through named bank, SBA, and specialist partners, and we identify the funding party to you before you sign anything.
Capital on your schedule, not the payer's.
Four minutes to apply. A soft pull that does not touch your personal score. A decision today.