Financing for medical and health clinics
Clinics carry a timing problem — payroll and rent run monthly while insurer and program reimbursements arrive on their own schedule, and clinical equipment carries six-figure price tags. Voxen Capital structures business lines of credit from $10,000 to $1,000,000, set up in 3 to 7 business days, and equipment financing from $10,000 to $5,000,000 on 24 to 84 month terms for diagnostic, treatment, and imaging equipment.
Start an applicationThe reimbursement gap, and the equipment bill
A clinic's revenue is solid but slow: third-party reimbursements, insurer batches, and program payments arrive weeks or months behind the care delivered. The clinic still pays practitioners, staff, and rent on the calendar.
A revolving line sized to that cycle is the natural instrument — draw against the gap, repay as reimbursements land, pay interest only on what's drawn. It also carries the quieter risks: an associate leaving, a renovation running long, a fee schedule changing.
Equipment is its own file: chairs, imaging, diagnostic and treatment technology hold value and finance well against their own working life — up to 100% including installation and training, which keeps the operating line free for operations.
Practice types we structure financing for
- Medical and walk-in clinics
- Dental practices
- Physiotherapy, chiropractic, and rehab
- Optometry and vision care
- Veterinary clinics
- Diagnostic and imaging centres
How clinic financing works at Voxen
- Send six months of statements — Deposit flow and the reimbursement rhythm drive the file. For equipment, add the vendor quote — new or used, any vendor.
- Offer within 24 hours — Most clinic files receive a structured offer within 24 hours of a complete submission.
- Line live in 3-7 days, equipment in 2-5 — The revolving line is typically active within a week; equipment funds vendor-direct in 2 to 5 business days.
- Structures that respect the practice — Repayment is built around the reimbursement cycle, and equipment amortizes over its clinical life — no fixed obligation pointed at the slowest month.
The products clinics use
The line of credit bridges reimbursement timing; equipment financing puts clinical technology to work against its own lifespan. Many practices run both.
| Business Line of Credit | $10K–$1M · 3–7 business days |
|---|---|
| Equipment Financing | $25K–$5M · 3–10 business days |
Frequently asked questions
Does the clinic's incorporation type matter?
Incorporated and registered practices both qualify. The file is underwritten on the practice's banking activity and the reimbursement flow, structured around how your revenue actually arrives.
Can I finance used clinical equipment?
Yes — used chairs, imaging, and diagnostic equipment are routinely financed, from dealers or private sales, with age limits that reflect the equipment class. Refurbished units with service records are a normal file.
Can I refinance equipment the clinic already owns?
Yes. Equipment refinancing advances capital against paid-off clinical equipment — a common way to fund a renovation or a buy-in without touching the operating line.
How fast can a clinic get working capital?
A complete file typically sees a structured offer within 24 hours. Lines of credit go live in 3 to 7 business days; equipment funds in 2 to 5. Asking costs nothing and has no credit impact.