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4 minutes · soft pull · decision today
Apply in four minutes.
Four minutes. A soft credit pull that does not affect your personal score. Four months of business bank statements by Plaid link or PDF. No tax returns, no P&L, no patient records. A human underwriter reads every file the same business day.
Soft pull·No impact on personal credit·4-minute application·No patient data requested
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.
What you'll need
- Practice legal name and EIN
- Entity type — PC, PA, PLLC, LLC, S-corp, C-corp, or sole proprietor with an EIN
- Business address
- Owner name, date of birth, and SSN for the soft pull
- Average monthly deposits
- Months in business
- Amount requested and its use
- 4 months of business bank statements, by Plaid link or PDF
- Any existing advance or loan, and its balance
Privacy and your data
Your SSN is used only for a soft credit pull and is stored encrypted. We display only the last four digits anywhere in our systems. We do not sell your information, and we do not share your contact details with other lenders. We do not request or receive patient information of any kind.
Security
TLS 1.3 in transit · AES-256 at rest · Plaid-verified bank linking · GLBA-compliant privacy program · SOC 2 Type II infrastructure
What happens after you submit
- Soft pull runs immediately. No impact on your personal score.
- An underwriter reads your statements. Same business day if we have everything before 2:00 p.m. ET.
- An underwriter calls you with the decision and, if approved, the offer terms. We call. We do not make you wait on an inbox.
- Sign two pages electronically. Funds wire within 24 hours.
More: the five products, what we do and do not see, privacy policy, or talk to an underwriter first.
Four minutes. Then an underwriter calls you.
A soft pull that does not touch your personal score. Four bank statements. A decision the same business day.