Industry Funding

Medical Practice Loans & Healthcare Business Funding for Practices and Medical Offices

Medical practice loans and healthcare business funding address one of the most persistent cash flow problems in medicine: care is delivered today, but insurance reimbursement takes 30, 60, or 90 days to arrive — while payroll, rent, supplies, and equipment payments come due continuously. Add the capital intensity of medical equipment, the cost of practice acquisition or expansion, and the burden of layered SBA and COVID-era debt many practices still carry, and the result is a working capital challenge that traditional bank lending often handles poorly. Y Millennial Funding provides medical practice loans and revenue-based healthcare business funding for medical practices and healthcare businesses — physician and specialty practices, urgent care centers, ambulatory surgical centers, diagnostic imaging, behavioral health, physical therapy, veterinary practices, healthcare staffing, medical billing, and durable medical equipment providers — doing $250,000 or more in annual revenue. We are a direct funder, not a broker, and we underwrite based on revenue patterns and bank statement strength rather than credit score or hard collateral alone. Funding is structured as a percentage of revenue, so remittance flexes with collections and reimbursement timing. Practices use this funding to bridge the insurance reimbursement gap, to purchase or replace medical equipment and technology, to build out additional treatment space or open a new location, to fund a practice acquisition or partner buy-in, to manage payroll and supplies, and for working capital through any period when collections lag operating costs. Dental practices, med spas, nursing homes, ABA therapy, and addiction treatment each have their own dedicated industry pages. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, regulatory standing, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.