# Healthcare & Medical Business Loans

> Medical and dental practices invest heavily in equipment and space while waiting weeks for insurance reimbursements to land. Hoss Capital matches practice owners with funding partners who understand payer timing, costly clinical equipment, and the economics of running a practice.

## Key takeaways
- Practices deliver care today but collect from insurers and government payers weeks later, so aging receivables can make a busy practice feel cash-poor.
- Equipment financing fits imaging, dental chairs, and diagnostic systems, using the equipment as collateral for faster approvals.
- Healthcare-focused lenders look at payer mix, production, and deposit history rather than fully collected revenue, so newer practices with strong production can qualify.
- A line of credit is well suited to bridging the lag between rendering care and receiving reimbursement.

## Funding built for how practices actually work

Healthcare has an unusual cash-flow shape: you deliver care today, bill an
insurer or government payer, and collect weeks later — often at a negotiated
rate. Meanwhile, the equipment, space, and staff that make care possible are
expensive and largely fixed. That gap between production and collection is the
core reason even busy practices need outside capital.

### The options that fit practice owners best

- **Equipment financing** — for imaging, dental chairs, sterilization, lasers,
  and diagnostic systems, with the equipment as collateral so approvals move
  faster and reserves stay intact.
- **Working capital & term loans** — for build-outs, hiring, expansion, or
  buying into a practice, repaid over a predictable schedule.
- **Business line of credit** — flexible cash to bridge the lag between
  rendering care and receiving payer reimbursement.

### Cash-flow dynamics

Payer mix drives everything. A practice weighted toward government programs may
see different timing and rates than one with mostly commercial insurance or
cash-pay patients. Aging receivables tied up in claims can make a profitable
practice feel cash-poor, which is exactly where a line of credit earns its keep.

### Sub-segments we fund

Dental and orthodontic practices, primary care and specialty physician groups,
veterinary clinics, optometry and ophthalmology, physical therapy, chiropractic,
dermatology and med spas, and diagnostic or imaging centers each carry their own
equipment intensity and payer dynamics.

### Why match through Hoss Capital

Generalist lenders often misjudge a practice's tied-up receivables as weakness.
We route your profile to partners that actively fund healthcare — so you spend
time with lenders who understand payer timing, production, and clinical
equipment costs.

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