PracticeFloat exists because the gap between what independent practices deserve and what traditional banks offer has never been smaller — and the consequences have never been more real.
For two years, we worked inside one of Florida's leading regenerative medicine practices.
The physician was exceptional. The practice was growing. The patients were loyal.
And every few months, without fail, the same conversation happened.
Not about patient care. Not about growth strategy. About cash flow.
Insurance reimbursements arrived 47 days after the service was rendered. Payroll ran every 14. Rent was due on the first. Equipment needed to be replaced. A second location opportunity would appear and disappear in the time it took a bank to respond.
The practice went to its bank. Three times. The answers were variations of the same thing — wrong specialty classification, insufficient collateral, come back when the tax returns look different.
The bank had no framework for what they had built.
We decided to build one.
Independent medical practices — stem cell clinics, longevity centers, aesthetic practices, IV therapy lounges, regenerative medicine specialists — represent the most innovative segment of American healthcare.
They also represent the segment most systematically underserved by traditional lending.
The reasons are structural, not personal.
Banks built their underwriting models for industries they have decades of data on — restaurants, retail, contractors, commercial real estate. Cash-pay specialty medicine does not fit those models. The revenue is real. The demand is growing. The operators are among the most educated and disciplined business owners in the country.
But when a stem cell clinic walks into a bank, the underwriter sees an unfamiliar specialty classification, no insurance reimbursement history, and no real estate to secure against. The answer is almost always no — not because the practice is weak, but because the system was never built for it.
The gap between the capital these practices deserve and what the traditional system provides is where PracticeFloat operates.
PracticeFloat is a private credit firm. We provide capital facilities from $40,000 to $500,000 exclusively for independent medical, dental, stem cell, longevity, aesthetic, and specialty healthcare practices.
Our underwriting is built around the actual financial profile of a high-performing specialty practice — not the outdated framework of a traditional bank.
We review three months of practice financials. We make a decision in 24 hours. We deploy capital in 48.
We move at the speed of the opportunities your practice faces — because we were built by people who watched those opportunities disappear while waiting on a bank.
The consolidation of American healthcare is accelerating.
Corporate groups and private equity-backed DSOs are acquiring independent practices at a rate that would have seemed impossible a decade ago. The independent physician, the independent specialist, the practice owner who built their business from nothing and answers to their patients rather than a board — they are under pressure from every direction.
Capital is one of the most powerful tools an independent practice has to remain independent.
The ability to move quickly when an opportunity arises. To fund a piece of equipment without waiting three months. To open a second location before a competitor does. To bridge a cash flow gap without selling equity or signing a long-term commitment.
PracticeFloat exists to make sure independent practice owners have access to that capital — on terms that respect what they have built and at a speed that matches how they actually operate.
The specifics of how we operate — and how capital actually reaches the practices we serve.
Tell us about your practice. We will review your financials and respond within 24 hours.
Request a Facility → Or reach us directly at apply@practicefloat.com