Industry Funding
Business Funding for Healthcare & Medical Practices
Insurance reimbursements are slow. Equipment is expensive. Payroll can't wait. Commera helps medical, dental, chiropractic, and specialty practices stay liquid.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Insurance Reimbursement Lag
Medicare, Medicaid, and private insurers routinely take 45-90 days to pay claims. Your billing cycle doesn't match your expense cycle. Receivables financing advances against those outstanding claims, and revenue-based funding advances against your future deposits when you need cash even faster.
- 02
High-Cost Equipment
Diagnostic equipment, dental chairs, imaging systems, and surgical tools run $20,000-$500,000. Equipment financing or leasing spreads the cost over the device's useful life, and when a unit fails unexpectedly, fast working capital lands in 24-48 hours with no hard credit pull.
- 03
Staff Costs Are Fixed
Clinical and administrative payroll can't be delayed. Even a profitable practice can miss payroll if a large insurance payment is late.
- 04
Expansion Before Revenue
Opening a second location, adding a service line, or hiring another provider requires capital 6-12 months before the incremental revenue materializes.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Equipment Purchase
Medical, dental, or diagnostic equipment, financed, leased, or funded faster than manufacturer financing when you need it now.
Payroll Bridge
Use receivables financing or a line of credit to cover payroll gaps caused by insurance reimbursement delays, common in high-volume practices.
New Service Line Build-Out
Renovate exam rooms, add procedure space, or build out a new specialty area.
Marketing and Patient Acquisition
Fund direct mail campaigns, digital advertising, or referral programs before new patients generate revenue.
EHR and Software Upgrades
Modern billing, scheduling, and EHR systems without large upfront capital requirements.
Typical Funding Range
$20K-$500K
How to Qualify
Healthcare practices qualify based on bank deposit volume from completed services. Insurance receivables count toward revenue. We match the structure to the need, equipment financing for devices, receivables financing against insurance claims, or revenue-based funding for speed. Cash-pay specialties like dentistry and chiropractic often qualify quickly due to consistent daily deposits.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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