48
Working capital for independent practices

Capital that
moves as fast
as medicine.

$40,000 to $500,000 for independent medical, dental, stem cell, longevity, and specialty practices. Decision in 24 hours. Funded in 48. No collateral. No SBA paperwork. Nationwide.

48h to funded
$500K max advance
12+ specialties
Apply for Working Capital → See What You Qualify For
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No collateral required Decision in 24 hours $40K – $500K Stem cell & longevity clinics Revenue-based approval No SBA paperwork Nationwide 48-hour funding No collateral required Decision in 24 hours $40K – $500K Stem cell & longevity clinics Revenue-based approval No SBA paperwork Nationwide 48-hour funding
Who we serve

Built for every type of
independent practice.

If your practice generates consistent revenue, we want to work with you — regardless of specialty, size, or how long the bank has been ignoring you.

🦷
Dental Practices
General dentistry, orthodontics, oral surgery, periodontics, and pediatric dental. Bridge insurance delays and fund expansion.
🩺
Medical Practices
Family medicine, internal medicine, OB/GYN, cardiology, dermatology, and specialty practices of every kind.
✨
Aesthetic & Med Spa
Cosmetic dermatology, medical spas, plastic surgery, and laser centers. Fund new devices and new revenue streams.
High Demand
🧬
Stem Cell & Regenerative
Stem cell clinics, PRP therapy, exosome centers, and regenerative medicine practices. Fast capital where traditional lenders won't go.
High Demand
⏳
Longevity Clinics
Longevity practices, anti-aging clinics, functional medicine, and healthspan centers. Scale as demand accelerates.
🏃
Physical Therapy
PT, OT, and rehabilitation centers. Bridge reimbursement cycles and fund new treatment space.
🦴
Chiropractic & Wellness
Chiropractic, integrative medicine, and wellness centers. Capital for growth into adjacent service lines.
🚑
Urgent Care
Independent urgent care and walk-in clinics. Add locations and bridge seasonal revenue gaps.
🧠
Mental Health
Psychiatry, psychology, therapy, and behavioral health centers. Capital for space, staffing, and telehealth.
How it works

From inquiry to funded
in four steps.

01
Submit your inquiry
Complete the brief form below. Practice name, specialty, monthly revenue, and capital needed. No credit check to apply.
5 minutes
02
Share 3 months of bank statements
That is all we need. No tax returns, business plans, or collateral documentation required. Send securely in minutes.
Minutes to send
03
Receive your offer
A transparent offer: your advance amount, flat cost, and repayment structure. No hidden fees. Review with your accountant if you wish.
Within 24 hours
04
Funds arrive in your account
Sign electronically and we wire the full amount to your practice bank account — typically within 24 hours of signing.
24–48 hours total
The problem we solve

Your bank can't move
at the speed of medicine.

  • 01
    Insurance reimbursements average 47 days
    You treat patients today. The check arrives in 6 to 12 weeks. Meanwhile payroll, rent, and suppliers are due now.
  • 02
    Growth opportunities don't wait
    A second location. New equipment. A competitor moving into your market. Capital delayed is opportunity lost — permanently.
  • 03
    SBA loans take 60–90 days and often decline
    Tax returns, collateral, committee approvals — and after 90 days, many qualified practices still hear no.
  • 04
    Equipment failures are immediate
    Your autoclave fails. A diagnostic device needs replacing. Patient care can't wait for a loan officer's calendar.

How much can your practice access?

Most practices qualify for capital based on their monthly revenue. No collateral. Decisions in 24 hours.

$40K
Minimum
$125K
Typical
$500K
Maximum
Calculate Your Advance →
No credit check · Response within 24 hours
Qualifications

Simple requirements.
No surprises.

We evaluate your practice on what actually matters — revenue history and cash flow — not standards built for other industries.

What we look for
  • ✓Licensed practice actively seeing patients
  • ✓Minimum $25,000/month in verified revenue
  • ✓At least 18 months in operation
  • ✓Business bank account in the practice name
  • ✓No more than 3 NSFs in the past 90 days
  • ✓First position only — no existing advance positions
  • ✓Personal guarantee from the practice owner
What we do not require
  • ✗Real estate or equipment collateral
  • ✗Perfect personal credit score
  • ✗Two years of filed tax returns
  • ✗Business plan or financial projections
  • ✗In-person meetings or site visits
  • ✗SBA paperwork or government documentation
  • ✗Weeks of committee deliberation
Use of funds

No restrictions on how
you deploy capital.

Your judgment. Your growth strategy. Use it for any legitimate practice need.

01
Medical equipment and technology
Laser devices, CBCT scanners, digital imaging, diagnostic tools, aesthetic equipment, and EHR systems. Fund the technology that defines your practice's competitive edge.
02
Payroll and operational continuity
Cover payroll, rent, supplies, and overhead while insurance reimbursements clear. Never let a slow payer disrupt your team.
03
New location or expansion
Secure a lease, fund a buildout, hire staff for a second location before a competitor takes it.
04
Marketing and patient acquisition
Google Ads, SEO, social media, and referral programs. Invest in the patient pipeline your practice needs to grow beyond word of mouth.
05–06
New service lines + Renovation
Add regenerative medicine, longevity protocols, aesthetics, or functional medicine. Fund the equipment, training, and launch properly. Or modernize your facility — the patient experience is a clinical asset.
Practice capital calculator

See exactly what your
practice could access.

Slide to your monthly revenue and desired advance. See your qualification tier, total cost, and daily repayment — before you ever apply.

Monthly Practice Revenue $120,000
$25K$200K$400K$600K+
Desired Advance Amount $80,000
$40K$150K$300K$500K
Repayment Term 6 months
4 mo5 mo6 mo7 mo8 mo9 mo

Estimates use representative underwriting assumptions. Actual offers are determined through full bank statement review. This tool is educational and does not constitute an offer or commitment to lend.

Real deal examples

How practices like yours
have used this capital.

Representative examples of the types of practices and capital needs we serve.

Longevity Clinic
$150,000
Funded in 48 hours
A longevity practice expanding IV therapy, peptide protocols, and biomarker testing needed capital for two new treatment suites and a patient acquisition campaign. Traditional financing required real estate collateral the owner was unwilling to pledge.
New suites opened on schedule. Patient volume up 40% within 90 days.
Stem Cell & Regenerative Medicine
$120,000
Funded in 36 hours
A regenerative medicine clinic adding PRP and exosome services had insurance reimbursements running 75 days delayed. Capital was needed simultaneously to bridge operations and fund new device acquisition.
New services launched. Revenue increased 35% within 90 days.
Orthodontic Practice
$75,000
Funded in 24 hours
An orthodontic practice had the opportunity to lease the adjacent suite for a satellite location. Capital was needed for the deposit and buildout before a corporate DSO secured the space first.
Second location open within 8 weeks. Patient volume doubled over 6 months.
Common questions

Everything you need
to know.

How fast can my practice actually get funded?+
Most practices receive a decision within 24 hours of submitting their bank statements. Once you accept the offer and sign electronically, funds are wired to your practice bank account — typically the same day or the following business day. The complete process from inquiry to funded typically takes 48 hours or less.
Can a stem cell clinic or longevity practice qualify?+
Yes — these are among the specialties we specifically serve. These practices often have strong revenue but face friction with traditional bank financing due to their specialty classification. We evaluate on revenue history and cash flow. If your practice generates consistent monthly revenue above $25,000 and has been operating for at least 18 months, you are a strong candidate.
What is the difference between this and an SBA loan?+
SBA loans typically take 60 to 90 days, require two years of tax returns, collateral, detailed financials, and strong personal credit — and many well-qualified practices are still declined. PracticeFloat reviews three months of bank statements and issues a decision in 24 hours with no collateral required. The tradeoff is a higher flat cost. For practices that need capital in days rather than months, the difference is significant.
Is collateral required?+
No real estate, medical equipment, or other hard asset collateral is required. Approval is based on your practice's revenue history and cash flow. A personal guarantee from the practice owner is required on advances above $25,000 — standard in commercial lending.
How is repayment structured?+
Repayment is via daily or weekly ACH over 4 to 8 months. The daily amount is structured to represent a small fraction of your daily deposits — most practice owners describe the payments as effectively invisible against their daily revenue. The total cost and schedule are disclosed before you sign anything.
Can my practice qualify with imperfect credit?+
Yes. We evaluate practices primarily on revenue history and cash flow, not credit score alone. Many practices with credit challenges — student loan debt, past financial difficulties — qualify based on strong, consistent practice revenue.
Can I access capital again after repayment?+
Yes. Practices with a clean repayment record are eligible for renewal advances — typically with a higher amount as the relationship develops. We proactively reach out at the 50% repayment mark to discuss your next advance. Many practices treat PracticeFloat as an ongoing working capital resource accessed several times per year.
What does the calculator estimate?+
The calculator models how a working capital advance works based on your inputs using representative underwriting assumptions. Actual offers are determined through full bank statement review and may differ. The calculator is for educational purposes only and does not constitute an offer or commitment to lend.
Apply now

Get your practice
funded in 48 hours.

Tell us about your practice. We respond within 24 business hours with your pre-qualification and next steps.

Bank-level encryption on all submissions
No hard credit pull during initial review
Response within 24 business hours
Information never shared with third parties

By submitting you agree to be contacted by PracticeFloat. No hard credit pull during initial review. Your information is held in strict confidence.

✓

Inquiry received.

Thank you, Doctor. A member of our team will contact you within 24 business hours to discuss your capital options and next steps.

Ready to get funded? $40K–$500K · 48-hour funding · No collateral

Apply Now →