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Medical Practice Funding
Rapid & Reliable

Get $25K–$500K in working capital for equipment, expansion, staffing, and technology. No credit pull. 24-48 hour funding.

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Last Updated: February 2026

Medical practice owners operate on complex revenue cycles. Insurance reimbursements take 30-60 days. Patient payments are staggered. Equipment breaks mid-quarter. Vault Capital Group provides merchant cash advances ($25K–$500K) designed for healthcare cash flow patterns. Get capital immediately for equipment, expansion, staffing, or technology, then repay from insurance and patient revenue as it arrives. No credit pull. No collateral. Funding in 24-48 hours. Whether you need diagnostic equipment, office expansion, staffing for patient growth, EHR system upgrades, or general working capital, Vault Capital funds medical practices nationwide with all credit profiles welcome.

How It Works for Medical Practices

Capital for patient care.
Repay from patient revenue.

Step 1: Apply (5 Minutes)

One-page application plus 3 months of bank statements showing patient and insurance revenue. No credit pull — won't affect your score. Simple and fast.

Step 2: Get Your Offer (Same Day)

Our team reviews your monthly patient revenue and deposit history. You get a real offer with clear terms and exact repayment amount.

Step 3: Get Funded (24-48 Hours)

Sign and capital lands in your practice account within 24-48 hours. Buy equipment, hire staff, expand services. Repay from patient/insurance payments.

Real Funding Scenarios

How medical practices
use Vault Capital Group.

Equipment Purchase

Urgent care needed ultrasound machine ($95K). Got $90K MCA. Diagnostic capability increased. Revenue per visit increased 35%. Fully repaid in 14 months.

Practice Expansion

Successful pediatrician wanted second office location. Build-out + equipment + initial inventory = $180K. Got $170K MCA. Second location operational in 3 months. Revenue doubled overall.

Staffing for Growth

Practice capacity maxed out. Hired 2 additional providers. Staffing + payroll gap = $65K. Got MCA. Patient capacity increased 40%. Fully repaid in 12 months from additional patient revenue.

EHR System Upgrade

Practice needed modern EHR system for patient management ($55K). Got $50K MCA. Improved patient flow and billing efficiency. Collections improved 12%. Repaid in 10 months.

Why Medical Practices Choose Vault

Built for
healthcare.

Patient-Revenue-Based Payments

Repay from patient and insurance payments as they arrive. More patients = higher repayment. Seasonal variations = flexible payments. Structured around your practice rhythm.

Funded in 24-48 Hours

Medical equipment needs don't wait for 90-day bank underwriting. We get capital to you in 24-48 hours so you can serve more patients immediately.

No Collateral or Equipment Liens

We don't require liens on your diagnostic equipment or practice assets. Funding is based on patient revenue, not equipment value.

All Credit Profiles Welcome

Personal or practice credit challenges? No problem. We approve based on patient revenue and deposits, not credit scores.

Healthcare Cash Flow Experience

We understand insurance reimbursement delays, patient payment patterns, and seasonal practice fluctuations. Our structure matches healthcare reality.

Direct + Partner Network

One application matched to best available terms. We fund directly or through 75+ healthcare-experienced partners. Best possible offer, fastest.

Qualification Requirements

Simple. Transparent.
No surprises.

  • Medical practice in operation for at least 12 months
  • Minimum $15,000–$25,000 in average monthly patient revenue
  • Business bank account with 3 months of statements
  • Valid medical license and business documentation
  • No specific credit score requirement
  • Active patient/insurance payment history
Common Questions

Everything you need
to know.

What factor rate should I expect?
Medical practice MCAs typically range from 1.20 to 1.40 depending on your monthly patient revenue. Higher revenue = better rates. A $150K advance at 1.30 factor means you repay $195K total.
How are payments taken?
Most medical practice MCAs are repaid via a percentage of daily practice deposits (typically 10-20% of patient payments). As insurance and patients pay, a portion goes to MCA repayment. Higher patient volume = higher repayment.
Can I use this for practice buyouts or partnerships?
Yes. MCAs can be structured for practice transitions, buyouts, and partnership expenses. Contact us with your specific partnership situation.
What if my practice has seasonal variation?
That's expected. We look at 12 months of history to understand seasonal patterns. We structure advances accounting for your actual practice revenue cycles.
Can I refinance an existing MCA with better terms?
Absolutely. If you have an existing MCA at a higher rate, we can refinance to better terms. Contact us with your current offer.
Ready to Grow Your Practice

Get medical practice funding
in 24-48 hours.

One application. Real offer same day. Capital by tomorrow. No credit pull. No collateral.

Start Your Application

Questions? Email us. We're here to help.

info@vaultcapitalgrp.com