Capital for clinic owners who move fast. — Clinic Owners Finance
Connect with lenders who understand independent healthcare practices and fund equipment, real estate, and expansion in days, not months.
One soft inquiry. No credit impact. Lenders come to you.
4.9 Excellent · 3,200+ reviews via Big Think Capital- practice expansion
- equipment financing
- SBA loans
- working capital
- tenant improvement
- refinancing
- acquisition financing
- revenue-based lending
Financial services and lending solutions for independent healthcare clinic owners
Financing options matched to your situation, in one place.
- EQUIPMENT Imaging and furniture loans Finance X-ray, ultrasound, dental chairs, and surgical equipment without slowing cash flow.
- REAL ESTATE Clinic location and buildout Medical practice mortgages and tenant improvement loans for standalone clinics or multi-tenant builds.
- EXPANSION Multi-location acquisition Acquire or merge practices with debt structured for healthcare revenue patterns and seasonal swings.
- WORKING CAPITAL Lines of credit for clinics Access $25K–$500K on-demand for payroll, inventory, or bridge financing between patient cycles.
- $25K–$2M Loan range
- 24–72 hrs Typical funding speed
- 1 soft pull No credit penalty
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Healthcare-fluent lenders
- They know gross revenue, patient acquisition cycles, and reimbursement lag unique to clinics.
- No bank asking why you need equipment or questioning your profit margins.
Speed and transparency
- Most applications take 10 minutes; pre-approval decisions arrive within 24 hours.
- All rates and terms visible upfront before you owe the lender a phone call.
Built for practice economics
- Loan structures account for seasonal patient volume and insurance reimbursement patterns.
- SBA, conventional, and alternative lending options all on one board.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Bank says no to newer clinics
Traditional lenders require 2-3 years of tax returns and established payment history; new practices don't qualify.
Fixed-term debt doesn't fit your revenue
Standard bank loans assume flat monthly cash flow; clinics see lumpy patient revenue and insurance delays.
SBA loans take 90+ days
Bank SBA processing is slow and requires extensive collateral; most clinic owners need capital in weeks.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
PT clinic owner, 8 years operating
Added treatment bay with new therapy equipment and tenant improvement to second location.
Independent dentist, 3 years in practice
Purchased standalone building and financed buildout, digital imaging suite, and operatory chairs.
Chiropractor, acquired competitor
Multi-location acquisition including patient roster, equipment, and 12-month working capital line.
Mental health clinic director, seasonal patient flow
Revolving line of credit to manage payroll variance between academic year and summer patient shifts.
Refinancing your existing clinic debt
If you already carry a bank loan or equipment note, many clinic owners save 1–2 points by refinancing with lenders who understand healthcare economics and can move faster than your current lender.