Fast
Online application in 5 minutes. Funds deposited the next business day on most products — even during insurance reimbursement gaps.
Medical Practice Funding
Medical Practice Business Funding Medical Practice Funding for Physicians & Clinics
Fast, flexible, responsible medical practice funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed physicians, specialty practices, urgent care clinics, and multi-location groups across all 50 states since 2014, bridging insurance reimbursement gaps and capitalizing growth.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Our medical practice business funding services ensure Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Physicians Choose Coast for Medical Practice Business Funding
Medical practices face funding challenges traditional banks aren't built to solve: slow insurance reimbursements, six-figure equipment costs, and complex multi-payer cash flow. Our team has been financing physicians since 2014 and approves medical practice loans based on real-world collections — not just credit scores.
Flexible
Six funding products built for medical practices — from $5K bridge advances to $5M imaging and equipment financing.
Responsible
The only funding partner committed to guiding physicians to responsible decisions — not just the biggest check.
Funding Options
Medical Practice Funding Options
Whether you need short-term physician working capital, equipment financing for a new imaging suite, or capital to acquire a competing practice, we have a program built for it.
Equipment Financing
Medical Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance imaging suites, exam tables, surgical tools, lasers, and EMR build-outs with fixed monthly payments.
Explore equipment financing →
Working Capital
Medical Practice Working Capital
$5,000 – $2,000,000 · 3–24 months
Bridge insurance reimbursement gaps, cover payroll, fund a marketing push, or smooth the slow summer months.
Explore working capital →
Term Loan
Practice Acquisition Term Loan
$50,000 – $1,000,000 · Up to 5 years
Capital to buy an existing medical practice or roll up a competitor — single or multi-location.
Explore term loans →
Line of Credit
Medical Practice Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Monthly rates from 2.99% for recurring cash flow gaps.
Explore lines of credit →
Receivables
Receivables Financing
$10,000 – $1,000,000 · Sales-based
Turn your aging A/R into today's cash. Ideal for practices waiting 60–120 days on insurance reimbursements.
Explore receivables financing →
Build-Out
Build-Out & Expansion Loan
$25,000 – $1,000,000
Capital for a remodel, second-suite expansion, or opening a satellite office in a new market.
Apply for build-out funding →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 5 years | Imaging, exam tables, lasers, EMR build-outs |
| Working Capital | $5K – $2M | 3 – 24 months | Payroll, marketing, reimbursement gaps |
| Business Line of Credit | $10K – $500K | Revolving | Recurring cash flow gaps, monthly rates from 2.99% |
| Practice Acquisition Loan | $50K – $1M | Up to 5 years | Buying an existing practice, multi-location roll-ups |
| Receivables Financing | $10K – $1M | Sales-based | Slow insurance reimbursements, A/R advances |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Medical Practice Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of practice bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your practice cash flow.
Sign and get funded
Funds can be deposited into your practice business account in as little as 24 hours after the signed agreement.
$15K+
Minimum monthly gross collections to qualify for most programs
Medical Practice Qualifications
Approved by Collections — Not Just Credit
We approve based on collections performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews for a medical practice.
Minimum Requirements
- 6+ months in business (3 months for select startup-friendly programs)
- $15,000+ in monthly gross collections
- U.S.-based practice with a business bank account
- Valid medical license and practice documentation
What We Review
- Last 4 months of practice bank statements
- Monthly insurance reimbursement and patient-pay trends
- Time in business and ownership / partnership structure
- Specialty mix and payer concentration
Common Use Cases
What Medical Practices Use Coast Funding For
From financing a new imaging suite to acquiring a competing practice, our medical clients deploy capital in four recurring patterns.
Equipment & Imaging
Hire New Staff
Build-Out & Expansion
Practice Acquisition
Frequently Asked Questions
Medical Practice Funding FAQ
The 10 questions physicians and practice owners ask us most.
How long does the medical practice funding application take?
The Coast Funding application takes about 5 minutes to complete online. You provide basic practice details and 4 months of business bank statements (or link via Plaid) for underwriting review. There is no hard credit pull to apply.
Can a new practice qualify for a medical practice loan?
Yes. Newly opened practices can often qualify for equipment financing or startup-friendly programs once they have a business bank account and 3–6 months of revenue. Established physicians transitioning to private practice may qualify even sooner based on their professional credentials.
How much medical practice funding can I qualify for?
Most practices qualify between $25,000 and $500,000 based on monthly gross collections. Established practices with strong financials can qualify for up to $5 million via equipment financing. A common rule of thumb is one to two months of gross collections for working capital.
How fast can a medical practice get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Equipment financing for larger imaging or surgical purchases may take a few business days depending on vendor coordination.
Does applying hurt my credit?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
What can I use medical practice funding for?
Any revenue-generating activity. Common uses include imaging and exam equipment, EMR systems, payroll, marketing campaigns, second-suite build-outs, satellite office openings, and bridging insurance reimbursement gaps.
How does Coast Funding handle insurance reimbursement gaps?
Receivables financing is purpose-built for practices waiting 60–120 days on insurance reimbursements. We can advance against your aging A/R or provide sales-based working capital that flexes with your monthly deposits.
Can I finance medical imaging or diagnostic equipment?
Yes. Coast Funding finances imaging suites, ultrasound, CT, MRI, lasers, surgical tools, exam tables, and full equipment build-outs. Fixed monthly payments with terms of 2–5 years are typical for medical equipment loans.
Can I use Coast Funding to acquire an existing medical practice?
Yes. Practice acquisition financing is one of our most common medical-practice use cases. We can fund the purchase of an existing single-location practice or a multi-location roll-up, often combined with working capital for the transition.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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