- 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.