Funding for medical and dental practices
You see the patient today, and today is when that visit costs you. The supplies, the staff time and the room are spent before the payer has even opened the claim. You have already bought the care you are waiting to be paid for.
Medical practice · Dental · Home healthcare · Assisted living · Chiropractic · Physical therapy · Urgent care
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
Nothing on this path asks about a credit score. It reads the claims and invoices you have already issued, which is work the practice has already done. A home health owner paying caregivers every week starts on this one.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
This is the path that asks about your credit. A line covers the stretch when a claim goes back out a second time and clinical payroll still runs every other Friday, and the interest runs on the drawn amount only.
Typical: 6+ months in business · 600+ FICO for a line of credit
The equipment carries the file on this path, which is why a practice that opened last year is not shut out of it. A chair, an imaging unit, a laser or an autoclave can be financed that way, and a unit the practice already owns can work in the other direction and fund something else.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your revenue
Borrow against invoices you have already issued but not yet been paid for. If your customers are other businesses on 30, 60 or 90 day terms, this turns that waiting period into cash now. No credit score floor, because the strength of the file is your customers paying, not your personal profile.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with medical, dental and home care owners because you have already paid for the visit, the supplies and the staff by the time a payer decides what that visit was worth.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.