— medical practice & Healthcare business funding
Funding That Bridges the Reimbursement Gap
You deliver care now, but insurance reimbursement can take weeks — while payroll, lease, and equipment costs don’t wait. Zip helps medical practices and healthcare businesses keep operations steady between the service and the payment.
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$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — The gap
Why medical practice and healthcare business funding?
A practice’s or healthcare business’ revenue arrives on the payer’s schedule. Its costs arrive on everyone else’s. Four places that opens a gap.
The reimbursement lag
The service is rendered and the claim goes out, then the money arrives weeks or months later — and not always as filed. Claims get delayed, denied, or paid in part, and each one extends the wait on revenue you have already earned.
Fixed overhead that doesn’t wait
Payroll for licensed staff, the lease, and the administrative side all run on schedule. None of them adjust because a payer is slow, and none of them can be deferred to the month the money lands.
Equipment and technology
Imaging, diagnostic and dental equipment, or a practice-management system, carry real upfront cost. Paying for it out of reserves in one stroke is what makes an otherwise sound purchase feel out of reach.
Buildout and expansion
Renovating the existing space, adding operatories or exam rooms, or opening a second location. All of it is paid for well before the added capacity turns into collected revenue.
02 — Common uses
Common uses of medical practice and healthcare business funding
Bridging operations through the reimbursement cycle
Capital to keep the practice steady between the service and the payment.
Covering payroll and overhead
Funding for staff, lease and administrative costs between insurance payments.
Purchasing or upgrading equipment and technology
Capital for imaging, diagnostic, dental or practice-management systems.
Practice buildout and renovation
Funding for a renovation, or for additional operatories and exam rooms.
Opening or expanding to a new location
Capital for the lease, the fit-out and the months before a new site carries itself.
Staffing and inventory for growth
Funding to add staff and stock supplies ahead of the volume that pays for them.
03 — How it works
How it works
01
See if you qualify
A short set of questions about your practice — straightforward, and no obligation to move forward.
02
Talk to a specialist
One person reviews your situation and walks you through the funding options that fit how your practice and its reimbursement cycle actually run.
03
Access your funding
Once approved, funds are made available to put to work — payroll, overhead, equipment, or the buildout.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — meeting the minimum does not guarantee qualification, and every business is reviewed individually.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every industry we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
08 — FAQ
Medical practic and healthcare business funding FAQ
On this page
How do medical practices and healthcare businesses finance new equipment?
Most established medical practices and healthcare businesses use working capital rather than committing reserves to a single purchase. Zip helps you access funding you can put toward imaging, diagnostic, dental or practice-management systems, so the cost is spread over time instead of landing in one billing cycle.
Can I get healthcare business funding to cover payroll while waiting on insurance reimbursement?
Yes. Covering payroll and overhead through the reimbursement cycle is one of the most common reasons practice and healthcare business owners come to us. Revenue that is earned and submitted but not yet received is a timing gap rather than a revenue problem, and funding can carry fixed costs until the payments land.
How much funding can a medical practice or healthcare business qualify for?
Medical practice and healthcare business funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your practice actually performs — deposit history, your payer mix, how reimbursement moves through the books — rather than reducing your file to a single score.
What can medical practice and healthcare business funding be used for?
Operating needs across the practice: bridging operations through the reimbursement cycle, payroll and overhead between insurance payments, equipment and technology purchases or upgrades, buildout and renovation, additional operatories or exam rooms, an additional location, and staffing or inventory for growth. Your specialist walks through your intended use with you.
The work is done. The payment is in the queue.
Claims submitted, staff on payroll, lease due on the first. Bridge the stretch between the service and the reimbursement, and keep the practice running on its own schedule.
No obligation · Your information is encrypted and never sold
Already working with a Zip specialist? Complete your application →