Capital for established practices
Healthcare businesses invest continuously in people, equipment, technology, and patient experience, while payment cycles often move at the pace of insurers rather than the pace of operations. The result can be a profitable practice with a very real timing gap between delivering care and collecting revenue.
Stonegate helps established medical, dental, veterinary, therapy, and other healthcare practices evaluate business funding from $5,000 to $750,000. Capital can support a defined project or provide room to operate while reimbursements, patient balances, and expansion plans move forward.
The right use of capital should strengthen care delivery or the financial operation behind it. Healthcare owners commonly seek funding when an investment cannot wait for the normal reimbursement cycle. A responsible budget includes implementation time, staff training, maintenance, payer enrollment, and any period in which a new provider or device is not yet producing at full capacity. That complete view protects the practice from underestimating the cash required after the initial purchase.
Practices regularly pay clinicians, support staff, rent, labs, and suppliers weeks before claims are settled. Working capital can keep those obligations current while receivables move through coding, submission, payer review, and patient collection. This is especially useful during a payer transition, a temporary claims backlog, or a period of fast patient growth that increases expenses before deposits catch up.
Imaging systems, dental chairs, sterilization equipment, diagnostic tools, exam-room technology, and veterinary equipment can improve capacity and service quality but require substantial upfront cash. Funding can cover a purchase, installation, training, electrical work, or a down payment alongside equipment financing without consuming the reserves needed for payroll and daily clinical operations.
A new clinician may require recruiting fees, credentialing costs, guaranteed compensation, marketing, and support staff before reaching a full patient schedule. A second location can add lease deposits, build-out, furniture, supplies, and technology. Growth capital gives an established organization time to ramp new production responsibly instead of expecting the existing location to absorb every startup expense at once.
EHR migrations, cybersecurity improvements, revenue-cycle tools, phone systems, patient portals, and HIPAA-focused infrastructure can make a practice more efficient and resilient. Capital can also support accessibility upgrades, infection-control improvements, or required facility changes. These investments may not immediately create a billable visit, but they can protect continuity, reduce administrative friction, and improve the patient experience.
Funding may range from $5,000 to $750,000, depending on the practice's revenue, operating history, recent financial performance, existing obligations, and requested use. A single-provider office seeking a targeted equipment upgrade presents a different profile from a multi-location group financing an acquisition, so the available structure is matched to the actual business rather than an industry label alone.
The review uses recent business bank statements to understand deposit consistency, average balances, cash-flow pressure, and the pattern of operating expenses. Underwriting may also consider time in business, ownership credit, current financing, payer concentration, and other documents for larger requests. Established practices with organized records make it easier to distinguish normal reimbursement timing from a lasting operating problem. Approval, amount, pricing, and terms remain subject to underwriting.
A term loan provides one lump sum with a defined repayment schedule. It can fit a known cost such as equipment, a renovation, an ownership buy-in, or the launch of an additional location. The predictable structure helps a practice compare the payment with the expected savings, production, or capacity created by the project.
A business line of credit can suit recurring, less predictable needs such as payroll during delayed reimbursements, supply purchases, or temporary coverage during provider onboarding. The practice draws when needed and pays for the amount used, preserving flexibility instead of taking the full limit before there is a specific purpose for it.
The process is designed to keep owners focused on patients and operations. Clear financial information helps the review move efficiently and supports a funding discussion grounded in the practice's actual cash flow.
Complete the application with ownership, operating, revenue, and funding-use information, then provide the requested recent business bank statements.
Underwriting evaluates cash flow, deposit history, current obligations, and the size and purpose of the request. If eligible, you can compare the amount, payment schedule, and total terms.
After you select and sign an approved offer, funds can be directed to the equipment, staffing, facility, or working-capital priority described in your plan.
Tell us about the investment, reimbursement gap, or growth opportunity ahead. A focused application and recent bank statements can start the review without disrupting your clinical day.
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