Practice funding questions, answered.

Each guide answers one question the way a practice owner asks it, with the answer in the first lines, the criteria in a table, and the same published numbers that live on our product pages. Working capital and lines of credit are underwritten and funded by MedStream Capital; term loans, SBA 7(a) and claims factoring are arranged through bank and specialist partners.

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Soft pull·No impact on personal credit·4-minute application·No patient data requested

Six question guides

One question per guide. Answer first.

$40K – $250KInsurance reimbursements are slow — how can my practice get cash flow funding?Bridge the payer lag with working capital or a line of credit sized on deposits, not claims. Same-day decision, funded 24 hours after signing, no claim data. $50K – $5MWhat’s the best way to finance expanding a dental practice?Partner term loan or SBA 7(a) for a buildout or second office if you have time and clean credit; in-house working capital ($25K to $2M) when you need it in 24 hours. No FICO minimumWho lends to chiropractors, physical therapy clinics and med spas?MedStream Capital funds all three in-house: working capital $25K to $2M and lines $25K to $500K on 6 months in business and $15,000 a month in deposits. No FICO minimumCan a medical practice get funding with bad credit?Yes. No minimum credit score on in-house working capital or a line of credit; we underwrite deposits ($15,000 a month, 6 months in business). Partner term loans need 600+, SBA 680+. Disclose itCan I get practice funding if I already have a cash advance?Often, yes. Disclosed advances are structured around or consolidated into one payment; undisclosed ones are declined. We do not stack. $25K – $2MHow much can a practice borrow, and how fast?$25,000 to $2,000,000 in-house, decided the same business day and funded 24 hours after signing. Partner term loans and SBA go to $5M in weeks to months.

Looking for cost tables and benchmarks instead? The reference guides cover buildout costs, SBA 7(a) criteria, days in A/R and more. Compare every product on solutions, or find your practice type.

The answer first. Then the offer.

When you have the answer and want the money, the application takes four minutes.

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