INDUSTRY SOLUTIONS
Funding That Lets You Focus on Patient Care
Medical practices, dental offices, clinics, and healthcare providers face a unique challenge: delivering excellent patient care while managing cash flow gaps created by slow insurance reimbursements. We provide fast capital so you can focus on what matters most.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Equipment, payroll, expansion & more
THE CHALLENGE
The Cash Flow Reality for Healthcare Providers
Healthcare is one of the few industries where you deliver services today but wait 60 to 90 days, sometimes longer, to get paid. Insurance reimbursements, Medicare and Medicaid processing delays, and claim denials create cash flow gaps that can strain even the most successful practices.
Meanwhile, expenses don't wait. Payroll runs every two weeks. Equipment leases are due monthly. Supplies need to be restocked constantly. And when a diagnostic machine goes down or you need to hire a new hygienist, you can't tell your patients to come back in three months once the insurance payments clear.
At Monera Capital, we've funded medical practices, dental offices, urgent care centers, physical therapy clinics, veterinary practices, and specialty healthcare providers. The reimbursement cycle is built into how we structure funding.
SPECIALIZED FUNDING
Which Describes Your Practice?
We built dedicated guides for specific practice types, each with the cash-flow realities it faces and the funding that fits.
Dental Practices
The insurance-reimbursement gap, claim denials, the hygienist shortage, and six-figure imaging and CAD/CAM equipment.
Dental funding
Veterinary Practices
The point-of-service cash model, equipment that halts revenue when it fails, the slow winter, staffing, and buy-ins against corporate buyers.
Veterinary funding
Home Health & Home Care
Weekly caregiver payroll against 30-to-90-day Medicare, Medicaid, and insurance reimbursement, plus turnover, denials, and growth.
Home health funding
Independent Pharmacy
Cash tied up in high-cost drug inventory, below-cost PBM reimbursement and clawbacks, and competing against the vertically integrated giants.
Pharmacy funding
Behavioral Health
Biweekly clinician payroll against slow, denial-heavy claims, lower reimbursement rates, credentialing gaps, and funding a new level of care.
Behavioral health fundingRun a healthcare staffing agency rather than a practice? See our healthcare staffing funding page.
How Healthcare Providers Use Our Funding
Medical Equipment
Finance imaging machines, dental chairs, diagnostic tools, treatment equipment, and patient care technology.
Practice Expansion
Open a second location, add treatment rooms, or expand your facility to serve more patients.
Payroll & Staffing
Cover payroll for physicians, nurses, hygienists, technicians, and front-desk staff between reimbursement cycles.
Supplies & Inventory
Stock medical supplies, pharmaceuticals, dental materials, and other consumables without cash flow interruptions.
Technology & EHR Systems
Upgrade your electronic health records system, add telehealth capability, or modernize practice management software.
Renovations & Compliance
Update your facility to meet regulatory requirements, ADA compliance, or simply improve the patient experience.
Funding Solutions for Healthcare Businesses
We offer multiple products to match the specific needs of your practice or healthcare business.
AR Factoring
Turn unpaid insurance claims and patient invoices into immediate cash. No new debt. You're simply accelerating payments you've already earned.
Learn MoreEquipment Financing
Finance medical devices, diagnostic equipment, dental chairs, or imaging machines with terms up to 60 months.
Learn MoreWorking Capital Loans
Bridge cash flow gaps between insurance reimbursements and keep daily operations running without interruption.
Learn MoreBusiness Line of Credit
Revolving access to capital for ongoing needs: draw funds when reimbursements are delayed, repay when they arrive.
Learn MoreWhy Medical Professionals Choose Us
We've worked with practices across the healthcare spectrum, from solo practitioners to multi-provider clinics. We know the reimbursement cycle, the cost of specialized equipment, and the operational demands of running a medical business.
Apply Now- We understand insurance reimbursement cycles
- AR factoring to accelerate claim payments
- Equipment financing with terms up to 60 months
- Approval in 4–8 hours
- Dedicated advisor who knows healthcare
- All credit profiles considered
Simple Requirements to Get Started
If your healthcare practice has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
We Also Serve These Industries
Healthcare Funding FAQs
What can healthcare and medical practices use funding for?
Practices use funding for medical equipment, practice expansion, payroll and staffing, supplies and inventory, technology and EHR systems, and renovations or compliance upgrades. Funding ranges from $10,000 to $500,000.
How can a practice manage cash flow while waiting on insurance reimbursements?
Reimbursement cycles can leave a practice waiting weeks on earned revenue. Working capital bridges that gap, and AR factoring can accelerate payment on outstanding insurance claims so payroll and supplies stay funded while you wait.
Can healthcare and medical practices qualify for funding?
Most healthcare and medical practices qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can healthcare and medical practices get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can healthcare and medical practices get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can healthcare and medical practices get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for healthcare and medical practices?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Healthcare & Medical Owners
Equipment Financing vs. Leasing: The Ownership Difference
Financing ends with a machine you own. Leasing ends with a choice: return it, renew, or buy it. What each structure costs you, and what each frees you from.
Read Guide
Equipment Financing Explained: How It Works & Qualifying
Spread the cost of vehicles, machinery, or technology over fixed monthly payments while the equipment serves as collateral. How it works and who qualifies.
Read Guide
Working Capital Loans: A Complete Guide for Small Businesses
What a working capital loan is, how fast it funds, what it costs, who qualifies, and when it beats a line of credit or invoice factoring.
Read Guide