How we picked
Filtered to lenders with healthcare-practitioner specialty programs. Ranked by professional-specific underwriting depth, APR competitiveness, and practice-acquisition track record.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Bankers Healthcare Group (BHG) | Best for established practices (24+ months, 700+ credit) | $20,000 – $500,000+ | Funding in 3 – 7 business days | 700+ typical for best terms | Apply → |
| Lendeavor (Provide) | Best for dental/vet acquisition | $25,000 – $5,000,000 | Funding in 5 – 20 days | 650+ | Apply → |
| Live Oak Bank | Best SBA option for medical practices | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
| Newtek Small Business Finance | Best multi-product for medical (SBA + alt-fin) | $25,000 – $15,000,000 | SBA 30 – 60 days; alternative products 1 – 7 days | 650+ | Apply → |
| Credibly | Best fast working capital for medical (non-practice purchase) | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 5 picks
#1 · Best for established practices (24+ months, 700+ credit)
Bankers Healthcare Group (BHG)
Max amount
$500,000+
Cost
Term loan APR 12 – 22%
Speed
Funding in 3 – 7 business days
Min credit
700+ typical for best terms
Why we picked it
Specialized in MD, DDS, DVM, PA, pharmacist financing. $20B+ in healthcare funding. APR 12-22% for term loans — competitive vs generalist alternatives. Up to $500K unsecured.
The strength
Specialized in healthcare practitioners — MDs, dentists, veterinarians, PAs, pharmacists. Faster underwriting than SBA with practice-specific risk models. Unsecured options available up to $500K. $20B+ in funding across healthcare professionals.
The watch-out
Healthcare-only — not for other industries. Best rates require excellent credit (700+). Sales process can be aggressive — multiple follow-up calls common.
Qualifications
24 months
$15,000+
700+ typical for best terms
#2 · Best for dental/vet acquisition
Lendeavor (Provide)
Max amount
$5,000,000
Cost
APR 6 – 14% (practice acquisition)
Speed
Funding in 5 – 20 days
Min credit
650+
Why we picked it
Specialized in dental and veterinary practice acquisition. APR 6-14% for acquisitions vs higher generalist rates. Doctor-specific underwriting accelerates decision vs SBA.
The strength
Specialized in dental and veterinary practice financing — practice acquisition, equipment, working capital, real estate. Now operating as 'Provide.' Doctor-specific underwriting models. Faster than SBA for similar use cases.
The watch-out
Dental/vet-only — not for other healthcare verticals. Best terms require professional credentials (DDS, DMD, DVM) and clean credit.
Qualifications
12 months
$10,000+
650+
#3 · Best SBA option for medical practices
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
#1 SBA 7(a) lender with deep healthcare specialty teams. Up to $25M for major practice acquisitions. SBA rates (prime + 2.75-4.75%) dramatically cheaper than alternatives.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
#4 · Best multi-product for medical (SBA + alt-fin)
Newtek Small Business Finance
Max amount
$15,000,000
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
SBA 30 – 60 days; alternative products 1 – 7 days
Min credit
650+
Why we picked it
Top-3 non-bank SBA lender. Bundled SBA + alternative financing + payroll services for medical practices.
The strength
Top-3 SBA 7(a) non-bank lender. Bundled offering: SBA, alternative financing, payroll services, payment processing, web/IT services. One-stop for established merchants. Now bank-affiliated via Newtek Bank.
The watch-out
Cross-sell pressure on bundled services. SBA process still 30-60 days minimum. Alternative financing arm pricing not always the most competitive.
Qualifications
24 months
$15,000+
650+
#5 · Best fast working capital for medical (non-practice purchase)
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
For working capital not tied to practice acquisition (equipment, payroll bridge, marketing). 6+ months TIB acceptable. Faster than healthcare-specialty options.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
Frequently asked questions
- What's the best loan for buying a dental practice?
- Lendeavor (now Provide) for fast dental-specific underwriting; Live Oak Bank SBA 7(a) for lowest APR if you can wait 60-90 days. Typical dental acquisitions $500K-$2M financed at 6-12% APR with these specialists vs 15-25% with generalists.
- Can I get a loan with a new dental degree?
- Yes — Lendeavor and BHG both specialize in newly-licensed dentists with limited practice history. Personal credit + degree matter more than business credit at this stage. Typical first-loan: $50K-$250K for equipment + working capital.
- How does veterinary practice financing differ from medical?
- Same lenders (Lendeavor, BHG, Live Oak) cover vet. Underwriting is similar — DVM credential, practice projection, equipment list. Veterinary specialty equipment (surgical, imaging) often financed separately via Currency Capital or Beacon Funding.
- What's the typical timeline for medical practice financing?
- BHG: 3-7 business days. Lendeavor: 5-20 days. Live Oak SBA: 60-90 days. SBA wait is worth it for the APR savings on acquisitions $250K+.
Related reading
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.