Steady patient volume, uneven reimbursement.
A practice can be fully booked and still tight on cash. Claims are adjudicated on the payer's timeline, patient responsibility collections trickle in, and payroll, malpractice coverage, and supply contracts are due regardless. A business line of credit gives a practice a buffer between services delivered and reimbursement received.
Where the pressure shows up
Reimbursement lag
Claims, denials, and appeals create a gap between the date of service and the date of deposit. The longer the payer cycle, the more working capital sits outside the bank account.
Equipment and technology cycles
Imaging units, chairs, sterilizers, and practice-management software are replaced on their own schedule, and often not the one that fits the operating budget.
Staffing costs are fixed
Clinical and front-office payroll, benefits, and coverage obligations do not flex with collection timing.
How a line of credit helps
- Smooth the gap between billing and payer reimbursement.
- Fund equipment, build-out, or a second location without committing to a term loan for the whole amount.
- Keep payroll and supply orders steady through a slow collection month.
Permitted uses are set by the terms of the specific facility. Nothing on this page is a statement of eligibility.
The product, in short
- Credit lines
- $25,000 – $750,000
- Pricing
- APRs starting at 8.99%
- Closing and funding
- As quickly as 5 days
- Who you apply with
- Best Line of Credit, directly
APRs starting at 8.99%. Actual APR depends on creditworthiness, underwriting, approval, and applicable terms. Not all applicants qualify for the lowest advertised APR. Timing depends on documentation, underwriting, and the transaction.
Start your applicationQuestions, answered clearly
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Give your business more room to move.
Business lines of credit from $25,000 to $750,000. APRs starting at 8.99%, with closing and funding as quickly as 5 days.
Checking your options does not affect your credit score.