business line of credit for healthcare & medical practices
Business Line of Credit for Healthcare & Medical Practices businesses. Built for healthcare & medical practices cash flow.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Is Line of Credit the right fit for Healthcare & Medical Practices businesses?
Revolving access to capital for ongoing operational needs and unexpected costs.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in healthcare & medical practices. Business Line of Credit maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Insurance Reimbursement Delays
Medicare, Medicaid, and private insurers pay on their schedule, not yours. 60–120 day reimbursement cycles create chronic cash flow gaps for practices running on tight margins.
Equipment Upgrades
Medical technology advances faster than your depreciation schedule. Staying competitive means upgrading imaging, diagnostic, and treatment equipment, which requires capital.
Practice Expansion
Adding a new provider, opening a second office, or expanding services requires working capital that banks take months to approve.
Representative scenario
What a typical healthcare & medical practices business line of credit looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Qualification
What we look for in healthcare & medical practices files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed healthcare provider
- $20,000+ monthly revenue
- 500+ personal credit score
- Valid medical/dental/healthcare license
Other ICG products for healthcare & medical practices
Not the right fit? Here is what else works in your industry.
Common questions
Business Line of Credit for healthcare & medical practices. Honest answers, no fine print games.
QIs healthcare funding HIPAA-compliant?
ICG never touches patient records. We underwrite against your practice bank statements and a copy of your provider license. No PHI is requested, transmitted, or stored.
QDo you fund solo practitioners?
Yes. Solo MDs, DDSs, DVMs, and allied-health providers with 12+ months of consistent deposits routinely qualify.
QCan I refinance existing equipment?
Yes. ICG can refinance imaging systems, chairs, and surgical equipment you already own to unlock working capital.
QDoes accepting Medicaid patients hurt my chances?
No. Medicaid-heavy practices actually benefit most from revenue-based funding, predictable (if slow) reimbursement is exactly what we underwrite against.
QHow is interest calculated?
Interest is charged only on the amount you draw, not your total credit line. Rates are typically 1–3% per month on the outstanding balance.
QCan I increase my credit line?
Yes. After 6 months of on-time payments, you can request a credit line increase based on updated revenue.
QIs there a draw charge?
No draw charges. You access your funds at any time through a direct transfer to your business account.
Business Line of Credit for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your healthcare & medical practices business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.