medical loans
Medical Term Loans Tailored to the Needs of Private Practices
Medical Loan on Your Terms.
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Your reimbursement cycle is unique. Your medical line of credit should be too.

Medical Term Loans & Lines of Credit

Prime Equity Funding offers customized financing solutions for healthcare and clinical operators who require dependable capital to operate, expand, or modernize their facilities. Our medical term loans and revolving lines of credit are designed around the operational, billing, and cash-flow realities unique to healthcare-driven businesses. Whether you are managing growth, upgrading equipment, or stabilizing working capital, we help you secure financing efficiently and responsibly. Funds can be in your bank account as early as the day your term loan is approved, and you can pay it back on your schedule to match your specific reimbursement schedule.

Who We Finance

We work with a broad range of licensed and healthcare-adjacent providers, including:

  1. Rehabilitation facilities (physical, occupational, substance abuse, and recovery centers)
  2. Dental clinics and group dental practices
  3. Cosmetic and elective surgery centers
  4. Veterinary practices and animal hospitals
  5. Counseling centers and behavioral health practices
  6. Inpatient and outpatient psychiatric care facilities
  7. Medical and specialty physician practices
  8. Inpatient and outpatient psychiatric care facilities
  9. Urgent care and outpatient treatment centers
  10. Both independently owned practices and multi-location operators may qualify.

Loan amounts of
$5k-$500K
Repayment terms
up to 24 months
Automatic daily
or weekly payments

Prime Equity Funding
Medicals Term Loans

Medical term loans provide upfront capital with structured repayment schedules, making them well-suited for long-term investments and facility-level improvements.

Common uses include:
  1. Facility expansion, renovations, or build-outs
  2. Equipment, technology, or surgical device purchases
  3. Practice acquisitions or partner transitions
  4. Refinancing higher-cost existing debt
  5. Launching new service lines or treatment programs
Key Features:
  1. Fixed or structured repayment terms
  2. Competitive pricing based on credit, revenue, and cash flow
  3. Flexible loan durations, often ranging from 1 to 10+ years
  4. Fixed or structured repayment terms
  5. Funds may be used for approved business purposes
Learn More

Loan amounts of $5K–$1M
Repayment terms up to 36 months

Prime Equity Funding
Medical Line of Credit

A medical line of credit offers ongoing access to working capital, allowing providers to draw funds as needed rather than borrowing a lump sum upfront.

Ideal for:
  1. Managing payroll and operating expenses
  2. Covering insurance reimbursement delays
  3. Staffing, supplies, and inventory needs
  4. Marketing, patient acquisition, and growth initiatives
  5. Bridging short-term or seasonal cash-flow gaps
Key Features:
  1. Revolving access to capital
  2. Interest charged only on funds used
  3. Flexible repayment structures
  4. Designed to align with healthcare billing and revenue cycles
Learn More

Loan amounts of $6K–$500K
upto 36-month repayment terms, resets after
each withdrawal

Why Healthcare Providers Work With Us.
  • Healthcare-focused underwriting: We evaluate healthcare businesses differently than general commercial borrowers. Our underwriting process takes into account reimbursement cycles, payer mix, patient volume variability, and the regulatory environment in which medical providers operate. This allows us to assess creditworthiness based on how healthcare businesses actually generate and receive revenue—not just standard financial ratios.
  • Streamlined approval process: We recognize that medical practices and facilities have limited time to devote to financing. Our process is designed to minimize unnecessary documentation, reduce back-and-forth, and deliver clear feedback efficiently. The goal is to move from inquiry to decision without disrupting daily operations or patient care.
  • Multiple financing structures: Healthcare providers rarely benefit from a single, generic financing product. We offer access to multiple structures—including term loans, revolving lines of credit, and short-term reimbursement-bridge facilities—so capital can be aligned with your specific operational needs, growth plans, and cash-flow timing.
  • Transparent guidance: We believe clarity matters. Terms, expectations, and repayment structures are presented upfront, with no obligation to move forward. Our role is to provide informed guidance so healthcare operators can make financing decisions with confidence and full visibility.
  • Predictable, fixed payments: Medical practices and healthcare facilities benefit from consistency. With fixed payment structures, your repayment amount remains the same from the start of the loan through the end of the term. This predictability allows providers to plan around payroll, rent, staffing, and operating expenses without concern for fluctuating payments, unexpected adjustments, or large upfront costs. Fixed payments make it easier to align financing obligations with patient volume and reimbursement timing.
  • Transparent pricing: Healthcare financing should never come with uncertainty. We insist on providing a clear, comprehensive breakdown of the total cost of a medical term loan before you commit. This includes interest rates, repayment terms, fees, and any other key components required to properly evaluate the offer. Our goal is to ensure you fully understand the financial structure so you can compare options confidently and make informed decisions without hidden terms or last-minute surprises.
Flexible medical financing to support
your practice’s growth & patient needs.

Running a healthcare practice comes with unique financial challenges — from high‑cost equipment to fluctuating patient volumes. At Prime Equity Funding, our medical loan solutions are designed to give practices fast, accessible funding without the complexity of traditional bank financing.

Before choosing financing, ask yourself: “How will this medical loan improve operations or patient care?” Once you identify your goal, you’ll quickly see how the right funding can strengthen your practice long‑term. Below are some of the most common and impactful ways healthcare professionals utilize a medical loan.

4 ways practices use medical loans
  • Purchasing or upgrading medical equipment
  • Expanding or remodeling office or clinical space
  • Improving patient experience & operational efficiency
  • Supporting cash flow during insurance payout delays
Better funding means better care.
empower your practice to deliver the quality your patients deserve.
Applying for a medical loan through Prime Equity Funding is fast, secure, and stress‑free
Get Started

Our simple 3 step application is all you need to apply. You can apply online or over the phone.

A dedicated loan advisor will be assigned to your company & will contact you to review your options.

Complete the online agreement form and receive your funds as soon as the same day.*

See how other healthcare providers have used Prime Equity Funding Medical Loans

Professional warehouse manager small business loan testimonial
Carlos Alvares
warehousing & logistics
(4.8)

I was about 8 years into a 10 year lease on a 50,000 sqft. warehouse when my business started really picking up. With Prime Equity Funding's help we were able to pay off our old lease and get into something bigger and better. The demand for warehousing space was strong and the additional space helped me capture new clients that took my business to the next level.

Construction professional business loan 5 star testimonial
Theodore Melvin
construction
(5.0)

I had just been awarded a contract that turned out to be larger than expected. I was excited about the opportunity but couldn't afford to pay for materials with only a 10% deposit. I was days away from dropping out when I found Prime Equity Funding. They walked me through the entire funding process and I had the funds I needed in my account just a few hours after signing.

Bar owner testimonial on business loan satisfaction
Terry Freeman
restauranteur
(4.9)

I had an investor approach me after dining in my restaurant and asked to partner in opening 10 new locations. It was the opportunity of a lifetime! I had no way of getting that kind of funding without diluting my equity. Prime Equity Funding helped me get the funds I needed to grow my business and follow my dreams. We now have 40 locations and still growing!

Medical professional reviews short term business loan
Dr. Albert Couper
Plastic Surgeon
(5.0)

I have been in the medical field for years and clients would often tell me that my equipment felt outdated. Prime Equity Funding was able to get me the funds I needed to secure new State Of the Art equipment to help us better diagnose and treat our patients. They were professional courteous and made the entire process seamless.

Great term loan satisfied customer Trucking professional
Salvador Pantana
Trucking
(5.0)

I would keep turning down jobs for my most popular route simply because I didn't have enough equipment to keep up with the demand. I knew if I had a few more chassis I could easily fill them. Prime Equity Funding was there for me every step of the way. We purchased new chassis and did 5x the revenue on that particular route.

Ecommerce business loan customer testimonial
Martin Bryant
E-commerce
(5.0)

I own a successful E-commerce business and sell on marketplaces like Amazon.com and Walmart.com. I finally started picking up traction and was on pace to have an amazing holiday season which would have left me with little to no inventory for 1st quarter. I could not afford to buy and hold stock for holiday season and 1st quarter. Prime Equity Funding looked at my business and helped me stock up so I could keep my sales strong. Needless to say I had my best year ever.

Medical Loan FAQs
  • What can I use a medical loan for?

    Medical loans can be used for equipment, renovations, staffing, inventory, technology upgrades, and bridging cash‑flow gaps caused by insurance reimbursement delays. Funds can be used for nearly any healthcare‑related operational need.

  • Do I need perfect credit to qualify?

    No. Prime Equity Funding evaluates a range of factors including revenue, patient volume, and time in practice — not just credit scores. Many providers who were declined by banks have been approved with us.

  • How quickly can I receive funding?

    In many cases, practices receive funding as soon as the same day their application is approved. Our streamlined approval process is designed to get you the capital you need without lengthy wait times.

  • Is collateral required?

    Most Prime Equity Funding medical loans do not require traditional collateral. Approval is primarily based on practice performance, deposit history, and revenue trends.

  • How does repayment work?

    Repayments are made through automated daily or weekly ACH deductions. This allows you to focus on patient care while keeping payments predictable and manageable.

  • Can I renew or increase my loan?

    Yes — once your loan is approximately 50% paid down, you may qualify for renewal or additional funding. Returning customers may receive reduced or waived origination fees.

Minimum eligibility requirements for a Prime Equity Funding Medical Loan
Let's see
if were a
match
Minimum Requirements
Time In Business 1 year
Personal FICO Score 600
Business Annual Gross Revenue $100K
Business Checking Account Yes
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Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Prime Equity Funding family of companies. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval. Prime Equity Funding® is a Registered Trademark. All rights reserved.