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Miami, Florida
We underwrite practices. That's the whole business.
MedStream Capital is a direct lender for U.S. medical, dental, veterinary, therapy, behavioral health, med spa and home-health practices. Working capital and lines of credit are underwritten and funded in-house, $25,000 to $2,000,000, with no minimum credit score.
Soft pull·No impact on personal credit·4-minute application·No patient data requested
Who we are
MedStream Capital is a direct lender headquartered at 9719 S Dixie Hwy #8, Miami, Florida. We underwrite and fund working capital and lines of credit in-house for U.S. clinical practices — $25,000 to $2,000,000, no minimum credit score. Term loans, SBA 7(a), and medical-claims factoring are arranged through bank, SBA, and specialist partners. Every file is read by a human underwriter the same business day.
Why the name
Sir William MedStream reorganized American medical training around a single idea: that you learn medicine at the bedside, from the actual patient, not from a textbook. We underwrite the same way. We read the practice's actual bank statements rather than scoring a proxy for them.
What we believe
- A personal credit score is a bad proxy for an established practice. Deposits show how the practice actually runs. That is what we underwrite.
- A contract should fit on two pages. Ours does.
- Paying off early should cost less, not more. Our prepayment discount runs up to 30% of the remaining balance.
- A lender has no business near patient data. We review four bank statements. That's it.
How we make money
MedStream Capital is paid from the cost of capital on advances we fund, and from referral compensation when we place a file with a partner bank or specialist. We will tell you which applies to your file before you sign. We do not sell applications. We do not sell your information. We do not share your contact details with other lenders.
Security
TLS 1.3 in transit · AES-256 at rest · Plaid-verified bank linking · GLBA-compliant privacy program · SOC 2 Type II infrastructure
MedStream Capital in six numbers
- $25,000 – $2,000,000 in-house funding range
- 6 months minimum time in business
- $15,000 minimum monthly deposits
- 24 hours to fund after a signed contract
- 2 pages contract length, always
- No FICO minimum on working capital or line of credit
9719 S Dixie Hwy #8, Miami, FL 33156
(888) 896-5559
The split
What we underwrite, and what we don't.
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.
| Product | Amount | Term | Underwritten by |
|---|---|---|---|
| Working Capital | $25,000 – $2,000,000 | 3 – 24 months | MedStream Capital, in-house |
| Line of Credit | $25,000 – $500,000 | Revolving | MedStream Capital, in-house |
| Term Loans | $50,000 – $5,000,000 | 1 – 5 years | Partner bank |
| SBA 7(a) | $50,000 – $5,000,000 | Up to 10 years (25 with real estate) | Partner bank |
| Invoice / Claims Factoring | $25,000 – $5,000,000 | Revolving against billed receivables | Specialist partner |
More: the five products, compliance and HIPAA, our ISO and broker program, or talk to an underwriter.
Read by a human, the same business day.
Four minutes to apply. A soft pull. Four months of bank statements. No tax returns and no patient records.