INDUSTRY · HEALTHCARE
Medical & dental
practices.
A practice can be fully booked and still feel cash-tight — because insurance pays on its own slow schedule while equipment, staff, and rent are due now. The right financing smooths that timing so you can invest in the practice without the reimbursement lag dictating every decision.
The short version
- Practice cash flow is squeezed by slow insurance reimbursements.
- Common uses: equipment, operatory buildouts, hiring, and payroll.
- Established practices often qualify for strong terms on steady collections.
- Funding can move in days — useful when equipment fails or a buildout can't wait.
Booked solid, still cash-tight
Healthcare has a timing problem unlike most businesses. You deliver care today, submit the claim, and then wait — weeks, sometimes longer — for insurance to reimburse. Meanwhile staff get paid on schedule, the lease is due, and the imaging unit that just failed needs replacing now. A profitable practice can feel perpetually short simply because of when the money arrives.
Your schedule is full. Your bank balance is just waiting on the payers.
What practices fund
- Equipment — chairs, imaging, lasers, sterilization, a failed unit that can't wait.
- Operatory and office buildouts or a second location.
- Hiring and payroll through reimbursement gaps or a ramp-up.
- Bridging slow insurance collections so operations never stall.
- Practice acquisition or partner buy-in.
Which product fits which need
| Need | Best-fit product |
|---|---|
| Reimbursement-gap cash flow | Line of credit / working capital |
| Equipment purchase | Term loan / equipment financing |
| Buildout, acquisition, large needs | SBA loan (lowest cost if you can wait) |
| Urgent equipment failure | Term loan for speed |
Because the core issue is timing, a line of credit is often the cleanest fit — draw to cover payroll while claims process, repay as reimbursements land. For big capital purchases, compare a term loan against an SBA loan on cost and speed.
Equipment down or claims running slow?
Tell us your monthly collections and what you need. We'll line up options sized to how your reimbursements actually arrive.
How Titan helps practices
We understand reimbursement cycles and the capital demands of a growing practice, and we frame your collections to lenders accordingly. We shop your file across equipment, term, line, and SBA options — and tell you honestly when waiting for the cheaper route is worth it.
Questions owners ask
How do medical and dental practices get financing?
Through equipment financing, working capital lines, term loans, and SBA loans. Lenders look at your collections and time in practice; established practices with steady revenue often qualify for favorable terms.
Can I finance dental or medical equipment?
Yes. Equipment financing or a term loan can spread the cost of chairs, imaging, lasers, and other capital equipment over time, often funding quickly so a failed unit doesn't stop patient care.
How do I cover the gap from slow insurance payments?
A line of credit or working capital financing bridges the lag between providing care and receiving reimbursement, so payroll and rent are covered while claims are processed.
Can a new practice get funding?
Yes, though terms improve with operating history. New and acquired practices often use SBA loans for larger needs and equipment financing for capital purchases.
Does my personal credit matter for a practice loan?
It can, especially for SBA and bank financing. But revenue-based options weigh your practice's collections heavily, so strong cash flow can offset a less-than-perfect score.
See what your practice qualifies for
One short application, a soft credit check, and a look at your collections. Options across equipment, lines, term loans, and SBA — no obligation.