Home/Guides/How much, and how fast
Guide · October 2026
How much can a practice borrow, and how fast?
$25,000 to $2,000,000 on MedStream Capital’s in-house working capital, or a $25,000 to $500,000 line of credit, with a decision the same business day and funds 24 hours after you sign. Partner term loans and SBA 7(a) go to $5,000,000 but take 2 to 4 weeks and 60 to 120 days. Practices under 24 months old typically start at $25,000 to $75,000.
Soft pull·No impact on personal credit·4-minute application·No patient data requested
What sets your number
On in-house products the amount comes from your bank statements, not your credit score. We read four months of business statements for average monthly deposits, deposit count, lowest daily balance, negative days and any existing advance being debited. Time in business and payer mix shape the offer from there. The published floor is 6 months in business and $15,000 a month in deposits.
A line of credit has a published sizing rule: one to one-and-a-half months of average deposits, capped at $500,000. A practice depositing $140,000 a month typically sees a line of $140,000 to $200,000.
When you need more than $2,000,000
Bigger projects go to partner paper. A full practice acquisition can run $400,000 to $3,200,000, and partner term loans and SBA 7(a) go to $5,000,000. They take longer because the partner bank underwrites tax returns, debt-service coverage and, on an SBA acquisition, a 10% equity injection. If the seller’s date is sooner than the bank’s, MedStream Capital can fund a $40,000 to $150,000 bridge in 24 hours, structured so the SBA note takes it out at close.
Working capital has no single formula, so the typical files we publish, by practice type, are listed below the product table.
What you’ll need
- A 4-minute application: business name, EIN, monthly deposits, amount needed
- Four months of business bank statements, linked or uploaded
- An active state professional or facility license
- A U.S. business checking account in the practice’s legal name
- A list of any open advance or loan
- For partner term loans or SBA: the tax returns the partner bank requires
Complete files before 2:00 p.m. ET get a decision that day.
Amounts and timelines
How much, and how fast, by product.
| Product | Amount | Term | Decision to funding | Documents | Underwritten by |
|---|---|---|---|---|---|
| Working capital | $25,000 – $2,000,000 | 3 – 24 months | Same business day; funded 24 hours after signing | 4 months of bank statements | MedStream Capital, in-house |
| Line of credit | $25,000 – $500,000 | Revolving | Approved same business day; draws settle next business day | 4 months of bank statements | MedStream Capital, in-house |
| Term loan | $50,000 – $5,000,000 | 1 – 5 years | 2 – 4 weeks | 2 years of returns, 6 months of statements, debt schedule | A partner bank |
| SBA 7(a) | $50,000 – $5,000,000 | Up to 10 years; 25 with real estate | 60 – 120 days | 3 years of business and personal returns | A partner bank |
| Claims factoring | 80% – 90% of billed claims; $25,000 – $5,000,000 facilities | Revolving | 7 – 14 days to set up; 24 – 48 hours per batch | A/R aging, payer contracts, claim detail | Specialist partner, under a BAA |
| Practice type | Years in business | Monthly deposits | Funded |
|---|---|---|---|
| Chiropractic | 13 | $70,000 | $85,000 advance, 12 months |
| Physical therapy | 17 | $85,000 | $112,000 advance, 12 months |
| Dental | 14 | $95,000 | $120,000 advance, 12 months |
| Behavioral health | 9 | $110,000 | $95,000 advance, 15 months |
| Med spa | 7 | $165,000 | $150,000 advance, 12 months |
| Medical | 12 | $240,000 | $185,000 advance, 12 months |
| Home health | 11 | $310,000 | $275,000 advance, 12 months |
The timeline, step by step
- Apply in 4 minutes. A soft pull only, with no impact on your personal score.
- Connect four bank statements. Link the account or upload PDFs.
- A human reads your file the 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, and a same-day wire is available on files cleared before 11:00 a.m. ET.
What the money costs
Our estimator’s default is a $154,000 advance over 12 months: $193,332 in total payback, a $39,332 cost of capital, about $3,718 a week or $767 a business day. Pay it off at the halfway point and you save up to $29,000. At typical pricing for an established practice, that advance runs $185,000 to $200,000 in total payback. It is a worked example, not a quote; pricing is set at underwriting.
If you have 24 months of history, a 600+ score, two years of returns and time to wait, a partner term loan will cost less, and we will say so before you sign.
Related: working capital, line of credit, all five products, cash flow while insurance pays, or financing a dental expansion.
FAQ
Questions that usually follow.
What is the most a medical or dental practice can borrow?
$2,000,000 on MedStream Capital’s in-house working capital and $500,000 on an in-house line of credit. Partner term loans, SBA 7(a) loans and claims-factoring facilities go to $5,000,000 under the partners’ own underwriting.
How fast can a practice get funded?
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.
How much can a newer practice borrow?
MedStream Capital funds practices with at least 6 months of history and $15,000 a month in deposits. Practices under 24 months old are funded, typically at $25,000 to $75,000.
How is a line of credit sized?
Against deposits, not credit score: one to one-and-a-half months of average deposits, capped at $500,000. A practice depositing $140,000 a month typically sees a line of $140,000 to $200,000. A line needs $20,000 a month in deposits.
What does a $154,000 advance cost?
The estimator default, $154,000 over 12 months, shows $193,332 in total payback and a $39,332 cost of capital, about $3,718 a week. At typical pricing for an established practice the payback runs $185,000 to $200,000. Paying off at the halfway point saves up to $29,000.
Done reading? Get your real number.
Four minutes to apply. A soft pull that does not touch your personal score. A decision today.