$10,000 - $500,000 · Funded in 24-48 hours · Finance equipment · Bridge insurance reimbursement delays
You deliver care today. But insurance reimbursements, equipment costs, and growth demands don't all line up on the same schedule.
You treat the patient today. The insurance company pays in 6-10 weeks, if they don't deny and require re-submission. Meanwhile, payroll, supplies, and rent don't wait. Working capital bridges that gap.
A new dental chair, digital X-ray system, laser, or ultrasound machine changes what services you offer and what you charge. Equipment financing lets you get the tool now and pay for it from the revenue it generates.
Adding a provider, opening a second location, or expanding office hours all mean upfront costs: licensing, build-out, staff, supplies. Lenders look at your existing patient revenue, not projections.
We match Houston medical and dental practices with the right product for their situation, whether you need to bridge a gap or invest in growth.
Repaid as a percentage of daily card sales. Payments flex automatically with your revenue. Perfect for bridging insurance reimbursement gaps.
Cover payroll, supplies, and operating costs while waiting on insurance reimbursements. Fixed daily or weekly payments, approved on revenue.
Finance dental chairs, X-ray machines, lasers, ultrasound equipment, and exam tables. The equipment serves as collateral. No additional assets required.
Draw what you need when you need it. Repay it. Draw again. Ideal for practices managing seasonal patient volume or ongoing operational needs.
Payments flex with your monthly collections, more during high-volume months, less when patient flow slows. Built around how practices actually get paid.
Lowest rates and longest terms for established practices. Best for major equipment purchases, opening a new location, or acquiring an existing practice.
Most medical and dental practices qualify. What lenders actually review before approving.
Insurance float, equipment upgrades, staffing gaps. Here’s how Houston medical and dental practices got the capital they needed.
Houston dental practice was billing $95K per month but seeing cash 60-90 days later after insurance processing. The practice was technically profitable but cash-flow negative week to week. Working capital bridged the receivables gap and gave the owner breathing room to hire a second hygienist.
Physical therapy clinic had strong patient volume but uneven insurance reimbursement timing created monthly cash swings. Revenue-based financing aligned repayment with actual deposit cycles, paying more in strong months and less when reimbursements ran slow.
Urgent care clinic wanted to add a second location in a high-traffic Houston suburb. Revenue was strong at the original clinic and the new lease was signed. A term loan with fixed payments gave them predictable costs while the new location ramped to profitability over 8 months.
Medical businesses are among the strongest cash-flow operators in the economy, yet they face some of the most common bank rejections. Here’s why.
Banks want W-2s or clean invoices. Insurance reimbursement claims are considered contingent until paid, so banks discount or exclude them from income calculations. The result is your practice looks far less profitable on paper than it is.
Actual bank deposits over the last 3 months. What actually lands in your account over the last 3 months is what we underwrite against, whatever the billing cycle or payer mix.
Medical practices often carry student loan debt, equipment notes, and operating lines simultaneously. Banks see the combined debt-to-income ratio and decline, even when the practice is comfortably servicing all existing obligations.
We’ve funded dozens of medical and dental practices with complex debt structures. Our ISO partners understand healthcare finance and evaluate practices holistically.
SBA loans for medical practices almost always require a 10% equity injection. For a $200K loan, that’s $20K out of pocket, capital many practice owners need precisely because they don’t have it sitting around.
Non-SBA alternatives through our ISO network require no down payment. Revenue and deposit history qualify you. No equity injection required.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your medical practice funding options.
We fund medical and dental practices in every Houston suburb and surrounding city.
Medical & dental practice funding in Katy TX
Sugar LandCapital for Sugar Land healthcare practices
CypressFast funding for Cypress medical offices
The WoodlandsPractice capital for The Woodlands providers
PearlandFunding for Pearland clinics & dental offices
League CityLeague City medical practice loans
HumbleHumble TX healthcare practice funding
PasadenaPasadena medical & dental funding solutions
We fund medical businesses in every major Houston suburb. Click your area for a page built specifically for medical operators in that market.
We fund medical businesses in every major Houston suburb. Click your area for a page built specifically for medical operators in that market.
Don't let insurance delays or equipment costs hold your practice back. Get the capital to treat more patients and add the services you've been putting off.
Apply Now, Free & Fast ↗Most business owners only know about bank loans and wonder why they get turned down. This free guide covers the options lenders don't advertise.
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