TL;DR
Bankers Healthcare Group (BHG) ranks #29 in our 2026 funder ranking. Best for established healthcare practitioners (24+ months in practice, 700+ credit) needing $100k-$500k for equipment, expansion, debt consolidation, or working capital. The strength: Specialized in healthcare practitioners — MDs, dentists, veterinarians, PAs, pharmacists. The watch-out: Healthcare-only — not for other industries.
Bankers Healthcare Group (BHG) rate card 2026
| Category | Specialty vertical |
| Best for | Healthcare practitioners (MD, DDS, DVM) — practice financing |
| Amount range | $20,000 – $500,000+ |
| Cost (factor / APR) | Term loan APR 12 – 22%; LOC APR varies |
| Speed to fund | Funding in 3 – 7 business days |
| Min time in business | 24 months |
| Min monthly revenue | $15,000+ |
| Min credit score | 700+ typical for best terms |
The strength — what Bankers Healthcare Group (BHG) does better than anyone
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 — what Bankers Healthcare Group (BHG) doesn't put in marketing
Healthcare-only — not for other industries. Best rates require excellent credit (700+). Sales process can be aggressive — multiple follow-up calls common.
Who Bankers Healthcare Group (BHG) is best for
Established healthcare practitioners (24+ months in practice, 700+ credit) needing $100K-$500K for equipment, expansion, debt consolidation, or working capital.
Who shouldn't apply
Merchants with less than 24 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Bankers Healthcare Group (BHG) actually makes sense.
How Bankers Healthcare Group (BHG) compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Bankers Healthcare Group (BHG) (this funder) | Specialty vertical | Term loan APR 12 – 22%; LOC APR varies | Funding in 3 – 7 business days |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Bankers Healthcare Group (BHG) before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Bankers Healthcare Group (BHG) a direct funder or a broker?
- Bankers Healthcare Group (BHG) is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Bankers Healthcare Group (BHG) will fund?
- Bankers Healthcare Group (BHG)'s published floor is $15,000+ in average monthly revenue, with 24 months minimum time in business. Credit score floor is 700+ typical for best terms. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Bankers Healthcare Group (BHG) fund?
- Bankers Healthcare Group (BHG)'s public speed quote is Funding in 3 – 7 business days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Bankers Healthcare Group (BHG) or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Bankers Healthcare Group (BHG), with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Bankers Healthcare Group (BHG)'s biggest weakness vs alternatives?
- Healthcare-only — not for other industries. Best rates require excellent credit (700+). Sales process can be aggressive — multiple follow-up calls common.
Related reading
- The full 2026 ranking of 10 MCA funders — where Bankers Healthcare Group (BHG) sits and why.
- How factor rates actually work — the math behind Term loan APR 12 – 22%.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.