Working Capital for Doctors

Responsive iFrame

ProMed Financial offers a range of working capital solutions tailored specifically for healthcare practitioners. Our options are distinguished in the industry for the following reasons:

1. Not Tied to Accounts Receivables

Our working capital loans are not linked to your accounts receivables, which provides you the flexibility to manage your cash flow without worrying about the timing of patient payments or insurance reimbursements. This allows you to focus on your practice rather than managing the intricacies of cash flow management.

2. Renewable and Reusable

Our working capital options are designed to be renewable and reusable. Once you settle the down payment on your balance, you can draw on your credit line again without reapplying, providing ongoing financial flexibility to manage your practice’s needs.

3. Does Not Report to Credit Bureau

Unlike many traditional loans, our working capital solutions do not report to credit bureaus. This means your credit score remains unaffected, allowing you to maintain a healthy credit profile for other personal or business financial needs.

4. Interest-Only Option (New Feature)

Our new interest-only payment option offers you the ability to lower your monthly payments initially, giving you more breathing room to manage other expenses or invest in managing and growing your practice.

5. No Daily Periodic Payment Program

We understand the strain daily payments can put on your practice. That’s why our working capital solutions are structured to avoid daily periodic payments, offering you more predictable and manageable repayment terms.

6. Almost All Credit Profiles Accepted

Our team makes our working capital solutions accessible to a wide range of credit profiles. Whether you have excellent credit or are working to improve it, we are here to help you secure the financing needed to help your practice succeed.

7. Soft Credit Pull

Our application process includes a soft credit pull, which means checking your eligibility won’t negatively impact your credit score. This allows you to explore your options without concerns about affecting your credit.

8. Fast Access to Cash

On average, our clients receive cash in just four days. This quick turnaround time ensures that you have the funds you need precisely when you need them to keep your practice running smoothly.

9. Versatile Usage

Our working capital loans can be used for various purposes, such as upgrading equipment, expanding your practice, consolidating debt, or managing regular daily expenses. This versatility makes our loans an excellent fit for a number of financial needs.

10. Minimal, If Any, Prepayment Penalty

We offer flexible repayment terms with minimal or no prepayment penalties, allowing you to repay your loan early without incurring additional costs. This can save you money on interest and help you maintain financial flexibility.

Comprehensive Working Capital Solutions for Doctors

At ProMed Financial, we understand the unique financial needs of healthcare practitioners, whether you are running an established practice or working as an associate. Our term and revolving working capital loan products are specifically designed to supplement the growth of your business. We offer unsecured loans up to $750,000 and secured loans up to $1 million, with typical approval amounts reaching up to 22% of your annualized gross revenues.

Expansive Range of Medical Practice Loans
In addition to working capital loans, ProMed Financial provides a variety of medical practice loans to meet varying needs. Many of our borrowers utilize shorter-term working capital loans to consolidate debt, allowing them to streamline their finances and reduce monthly payments.

Innovative Products and Nationwide Service
We pride ourselves on continuously developing and introducing new financial products to the medical marketplace. We also facilitate practice sales nationwide, connecting buyers and sellers across the country.

Medical Specialists We Work With

ProMed Financial works with a wide array of medical specialists and practices, including:

  • Cardiologists
  • Chiropractors
  • Dentists
  • Family Medicine Practitioners
  • Gastroenterologists
  • General Medicine Practitioners
  • Internal Medicine Practitioners
  • Neurologists
  • Optometrists
  • Pain Management Specialists
  • Podiatrists
  • Urgent Care Centers
  • Veterinarians


Whether you are seeking to secure working capital, consolidate debt, or purchase a practice, ProMed Financial can be your trusted partner in achieving your practice goals. Our comprehensive solutions are designed to provide the support you need to thrive in the ever-evolving healthcare landscape.