Healthcare Business Financing in California
Support your practice while reimbursements catch up. Working capital, equipment financing, and expansion options for California medical, dental, and healthcare businesses.
Fresno-based. California-wide. Financing subject to lender approval.
Where financing fits
Capital that fits the business side of patient care.
Payroll & reimbursement gaps
Manage staff costs and operating expenses while insurance payments and other receivables are outstanding.
Medical & dental equipment
Review financing for diagnostic systems, dental equipment, treatment devices, and other practice assets.
Practice improvements
Plan for an office renovation, additional treatment rooms, or expansion to another location.
Acquisitions & property
Explore longer-term options for purchasing a practice or eligible owner-occupied real estate.
Compare financing options.
Choose the structure around the use of funds, repayment capacity, and timing. Availability and terms vary by program.
Practice working capital
For staffing, supplies, and operating gaps. Review repayment against actual collections—not billed charges alone.
Business line of credit
A flexible option for recurring expenses and uneven collections, subject to credit review and lender draw requirements.
Medical equipment financing
Loans and leases up to $1M, with terms up to 84 months. A down payment is required; equipment, credit, and business history affect approval.
SBA practice financing
For eligible practice acquisitions, expansion, and owner-occupied property. We place SBA loans with a Preferred lender desk we work with directly.
Receivables financing review
Some healthcare receivables may support financing. Payer mix, assignment restrictions, collections history, and billing structure determine availability.
A practical first review
Start with your business, not a generic offer.
Tell us what you need to fund, when you need it, and how your business collects revenue. We review your situation, identify potential options, and work through the lender's requirements with you.
Operating history, revenue, credit, existing debt, and use of funds all affect eligibility. Startup, acquisition, equipment, and SBA requests have different requirements.
What to have ready
- Recent business bank statements and current debt schedule
- Financial statements and tax returns, as requested
- Collections summaries and receivables aging without patient-identifying data
- Equipment quotes or a practice expansion budget
- Practice ownership, licensing, and acquisition details when applicable
The documents needed depend on the financing program. Do not submit sensitive records through an unsecured message.
Frequently asked questions
Can financing bridge delayed insurance payments?
Working capital or a line of credit may help, depending on cash flow and lender requirements. Receivables financing needs a separate review of payer mix, payment rights, and collection history.
Do you finance medical and dental equipment?
Equipment loans and leases may be available for eligible assets. The lender reviews equipment type, cost, useful life, vendor, and the practice's financial profile.
Should I send patient records with my application?
No. Do not submit patient names, medical records, or other patient-identifying information through the business application. Start with business-level financial information; any specialized receivables review requires appropriate secure handling.
Related financing guides
Let's review your next move.
An equipment purchase, a cash-flow gap, or a larger business investment—start with a conversation.