Capital structured for the realities of practice life.
Reimbursement cycles, capital equipment, and acquisition opportunities don't line up with bank timelines. Get the SBA, conventional, and alternative options that fit your practice — laid out side-by-side, with the trade-offs explained.
Capital tuned to how healthcare actually run.
- Acquire a practice — partner buyout, retirement transition, or roll-up
- Finance imaging, dental chairs, lab equipment, or office buildout
- Bridge insurance reimbursement and Medicaid/Medicare cycle gaps
- Add a provider — recruiting bonus, signing incentive, and first-year payroll
- Refinance personal practice debt into a longer-amortization SBA loan
Products built for healthcare.
The shapes of capital most healthcare use — and why each one fits.
SBA Loan
The single most-used product for practice acquisitions — lowest rate, longest term, up to 90% financing.
Learn more →Term Loan
Faster than SBA when you need equipment or working capital inside a week, not a quarter.
Learn more →Line of Credit
Bridge AR while reimbursement cycles unfold. Draw only what you need.
Learn more →Revenue-Based Financing
Practices with strong patient revenue but limited collateral often qualify for RBF when banks pass.
Learn more →“I was buying out my partner. The SBA route was slow but right — Thrivewell paired me with a bridge to lock the deal while we waited on closing.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements — no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Healthcare financing — common questions.
What credit score do I need to qualify for an SBA practice loan?+
660+ is the typical floor; 700+ unlocks better terms. Personal financials and business cash flow matter more than the score alone.
Can I finance 100% of a practice acquisition?+
SBA 7(a) often finances up to 90% of purchase price plus working capital. The remaining 10% is typically a seller note or buyer equity injection.
How long does an SBA practice loan take?+
30 to 90 days end-to-end. We compress that by preparing the package upfront and pre-qualifying with lenders before you submit.
I have a thin balance sheet but strong revenue — do I qualify?+
Frequently yes. RBF and certain term loans underwrite primarily on practice revenue and provider productivity rather than personal collateral.
What about equipment financing?+
Imaging, chairs, lab equipment, and IT can be financed as a stand-alone equipment facility or rolled into a term loan or SBA loan, depending on size and use.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.