Industry expertise
Business Loans for Medical Practices
Medical practices deliver care long before insurance pays for it, and TrustFi helps bridge that gap so payroll and equipment purchases don't wait on a claims cycle.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how medical practices actually run
A medical practice gets paid on the insurance company's timeline, not its own. Claims can take 30 to 90 days to process and pay, even for routine visits, while rent, payroll, and malpractice insurance are due every month no matter where a claim stands. Bringing on a new physician or nurse practitioner adds another lag, since credentialing with payers can take weeks or months before that provider can bill at all. Add in the cost of diagnostic equipment like ultrasound machines or EKG units, and a well-run practice can feel a squeeze between delivering care and getting paid for it.
TrustFi structures funding around that reimbursement cycle instead of expecting a practice to absorb it alone. That might mean an SBA-backed loan for a new-location buildout, a term loan for diagnostic equipment, or a line of credit to bridge cash flow while claims and credentialing catch up. The application takes under 10 minutes and applying does not impact your credit score. With over 20 years of experience funding small businesses, TrustFi understands that a practice's revenue and its cash flow don't always move at the same pace.
What we hear
The cash-flow pressures you know too well
Insurance reimbursement lags behind patient care
Claims can take 30 to 90 days to process and pay, even for routine in-network visits, while payroll, rent, and malpractice insurance are due monthly. That timing gap between delivering care and collecting payment is a constant feature of running a practice.
Provider credentialing delays new revenue
A newly hired physician or nurse practitioner often cannot bill insurance payers for weeks or months while credentialing is processed, even though their salary and benefits begin on their first day, creating a costly gap before they generate any revenue.
Diagnostic equipment requires major upfront capital
Ultrasound machines, EKG units, and exam tables represent significant purchases that age and need replacing on their own cycle, independent of patient volume or seasonal demand, which makes timing a big equipment purchase around cash flow difficult.
New-location buildouts front-load compliance costs
Lease improvements, HIPAA-compliant IT infrastructure, and state licensing fees for a second location are all due before that location can see its first patient, putting the full cost of expansion ahead of any revenue it will eventually generate.
Where the money goes
What medical practices use funding for
- Purchasing diagnostic equipment like ultrasound or EKG machines
- Building out a new exam room or second location
- Bridging cash flow during provider credentialing
- Upgrading EHR or practice management software
- Hiring additional clinical or front-desk staff
- Covering payroll while insurance claims are processed
Our recommendation
Funding options that fit medical practices
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
SBA Loans
SBA-guaranteed loans offer lower rates and longer terms, which suits a practice acquisition or new-location buildout where you want predictable, affordable payments stretched over years rather than months.
How it works - Option 2
Business Term Loans
A fixed lump sum fits equipment purchases like a diagnostic machine or an exam room buildout, repaid on a set schedule that's easy to plan against your practice's budget.
How it works - Option 3
Business Line of Credit
Draw funds to bridge the gap while claims are in process or a new provider is being credentialed, paying interest only on what you actually use rather than a full lump sum.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How can I cover payroll while waiting on insurance reimbursement?
A business line of credit is built for this kind of timing gap. You draw funds to cover payroll or operating costs while claims are processing, then repay as reimbursements come in, paying interest only on what you use. It keeps a normal 30- to 90-day claims cycle from becoming a cash-flow emergency.
Can I get financing while a new provider is being credentialed?
Yes. Many practices use a line of credit or short-term financing to cover a new physician or nurse practitioner's salary during the credentialing period, since that provider often can't bill payers for weeks or months after their start date. Structuring that gap as financing avoids draining working capital elsewhere.
Is TrustFi the direct lender on SBA loans for medical practices?
No. TrustFi helps medical practices access SBA-guaranteed financing options, which offer lower rates and longer terms but involve a more detailed qualification process than other products. TrustFi is not the direct SBA lender and does not guarantee approval or a specific rate on any financing product.
How fast can a medical practice get approved for funding?
Approval speed depends on your revenue history and the product you choose, but funding can arrive in as little as 24 hours once approved. TrustFi backs every application with a 2-hour response guarantee, so you get a clear answer quickly instead of waiting days to plan around equipment or staffing needs.
Will applying for funding affect my practice's credit score?
No. Applying with TrustFi does not impact your credit score. You can review what your practice qualifies for and compare terms before committing to anything, with no risk to your personal or business credit standing at any point during the process.
Are there hidden fees in medical practice financing?
No. TrustFi lays out costs upfront before you sign anything, so there are no hidden fees buried in fine print. You'll know exactly what a term loan, line of credit, or SBA-backed option costs before you commit, making it easier to weigh against the value of the equipment or hire in question.
Funding for medical practices, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees