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.
Industries · Healthcare & Medical Practices
Medical Practice & Healthcare Financing. Capital that doesn't wait for insurance to reimburse.
Bridge Medicare/Medicaid reimbursement gaps. Finance medical equipment. Revenue-based funding for healthcare providers. 24-hour approval.
At a glance
What funding is available for medical and healthcare practices?
Bridge Medicare/Medicaid reimbursement gaps. Finance medical equipment. Revenue-based funding for healthcare providers. 24-hour approval.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund healthcare & medical practices
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against healthcare & medical practices every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of healthcare & medical practices bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in healthcare & medical practices.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
Eligibility for healthcare & medical practices
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a licensed healthcare provider
- 02
$20,000+ monthly revenue
- 03
500+ personal credit score
- 04
Valid medical/dental/healthcare license
Get funded in your city
Healthcare & Medical Practices funding near you.
- Brooklyn →
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Questions, answered
Real questions from healthcare & medical practices operators answered straight.
Is 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.
Do you fund solo practitioners?
Yes. Solo MDs, DDSs, DVMs, and allied-health providers with 12+ months of consistent deposits routinely qualify.
Can I refinance existing equipment?
Yes. ICG can refinance imaging systems, chairs, and surgical equipment you already own to unlock working capital.
Does 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.
Ready when you are
Get healthcare & medical practices funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.