Healthcare practice financing
Get $5,000 to $10 million to cover payroll, buy medical equipment, fund facility upgrades or grow your practice, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Healthcare financing options at a glance.
The right option depends on what the money is for: equipment you’ll use for years, the wait until insurance claims are paid, or a build-out that adds exam rooms.
Small Business Term Loans
- Best for
- A build-out, more exam rooms or a second office in a growing neighborhood
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Payroll and supplies while insurers and other payers process your claims
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Imaging, diagnostic and lab equipment, new or used
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Invoice Financing
- Best for
- Cash against submitted insurance claims, ahead of the insurer’s payment date
- Repayment term
- Per claim, when the insurer pays
- Min. credit score
- 500+
Working Capital
- Best for
- A new provider’s salary and setup while credentialing with insurers finishes
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
How healthcare financing works.
A practice is paid in two parts: the patient’s share at the visit, and the insurer’s share weeks later, once the claim is processed. Payroll, rent and supplies are due sooner, and financing covers the time in between.
You apply online in minutes. Our team reviews your application and brings you the options that fit your practice: a line of credit for the wait on claims, equipment financing for a new system or a term loan for a build-out. We look at your revenue, deposits and time in business, not just your credit score.
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Financing against insurance claims. Invoice financing advances up to 90% of what insurers owe on claims you’ve submitted. The rest, less a fee, comes when the claims are paid.
Equipment financing. New imaging or lab equipment brings tests in-house that you send out today. Equipment financing spreads the cost over its working life, with the equipment itself as collateral.
Which practices. Physician and specialist practices, clinics, urgent care, physical therapy, chiropractic, behavioral health and home health. Dental and veterinary practices have pages of their own.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Healthcare financing for every situation.
Three situations for practices, and the financing that fits each.
Waiting on reimbursements
Claims are submitted, and payroll is due before insurers pay. A line of credit covers the weeks between, and you repay it as insurers pay.
Bringing on a new provider
A new physician or nurse practitioner takes months to credential with insurers. Working capital covers their salary until their claims start paying.
Opening a second office. A term loan covers the lease, the build-out and the equipment, so the new location is ready to see patients when it opens.
What healthcare practices use financing for.
Medical and diagnostic equipment
Imaging, lab analyzers, exam tables and other equipment your providers need.
Payroll and staff
Nurses, assistants and front-desk staff paid on schedule while claims are processed.
Facility upgrades
More exam rooms, an updated waiting room or an accessible entrance.
Records and billing systems
A new records system, a patient portal and billing tools that get claims out sooner.
A new provider
Salary and setup for a new physician or nurse practitioner while credentialing finishes.
A second location
A satellite office or a new specialty in a growing part of town.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposits from insurers and patients, and time in business. A practice with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Can I get funding while I wait on insurance reimbursements?
Yes. A line of credit covers payroll and supplies while claims are processed, and you repay it as insurers pay. Invoice financing advances up to 90% of what insurers owe on claims you’ve already submitted.
Can I finance medical equipment?
Yes. Equipment financing covers new and used imaging, diagnostic and lab equipment, up to 90% of its value, with the equipment itself as collateral, and spreads the payments over its working life. You’ll need the seller’s quote.
Can financing cover a new provider before their claims pay?
Yes. Working capital or a line of credit covers a new provider’s salary and setup through credentialing, until their claims start being paid.
What kinds of practices can apply?
Physician and specialist practices, clinics, urgent care, physical therapy, chiropractic, behavioral health and home health. We look at each practice on its own numbers.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.