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Funding for medical practices

Financing that lets you focus on patients, not paperwork.

Running a medical practice or pharmacy means balancing patient care with the costs of growth, staffing, and technology. IOU Financial helps physicians access fast, flexible funding with consultative term loans and other funding solutions built to keep practices thriving.

Find the funding that fits your medical practice.

Whether you need ongoing access to working capital or one-time financing for a major investment, IOU Financial has you covered.

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Term loans

Flexible financing for long-term growth. Get up to $1,500,000 with repayment terms between 6 months and 2 years. Choose a payment schedule that fits your practice’s cash flow and move quickly on expansion, upgrades, or staffing needs.

Business line of credit

On-demand access to working capital. Draw funds when you need them, repay, and reuse. Ideal for covering insurance reimbursement delays, payroll, supplies, or unexpected expenses without reapplying each time.

SBA bridge loan

Get the capital you need while your SBA loan is still pending. Use this short-term solution to keep projects moving, support staff, or manage tight cash flow. Repay once your SBA funds arrive.

Equipment financing

Finance essential medical equipment without straining cash flow.From imaging tools to diagnostic equipment, finance the tools that power your practice. Spread costs over time with predictable payments that preserve your working capital.

Invoice factoring

Access the money you have already earned faster.Convert outstanding insurance claims and patient invoices into immediate working capital. Reduce reimbursement gaps and keep your practice running smoothly.
Smart ways to put your funds to work.

Practical funding solutions for modern medical practices and pharmacies.

Whether you are expanding services, managing reimbursement cycles, or preparing for your next phase of growth, IOU Financial gives your practice the flexibility to put funds where they make the biggest impact.

Expansion

Open a new location, add treatment rooms, or grow your clinical footprint to serve more patients.

Equipment

Invest in new or upgraded medical devices, diagnostic tools, or technology that improve patient care and support your team.

Inventory

Stock up on medical supplies, disposables, or specialized products so you are prepared for busy periods without cash flow strain.

Marketing and advertising

Reach new patients with targeted campaigns that grow your visibility and strengthen your reputation in your community.

Technology upgrades

Improve your EHR systems, scheduling tools, billing platforms, or digital workflows to keep your practice efficient and modern.

Working capital

Cover everyday expenses, manage reimbursement delays, support payroll, and keep your practice nimble as you grow.
Qualifications

Who qualifies for an IOU business term loan?

Getting funding should not feel out of reach. If you run a practice with steady revenue and at least a year in operation, you could be a great fit.

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1 year in business or more

We support practices that have established operations and understand their patient base.

$10,000 or more in monthly revenue

A clear picture of monthly income helps us structure a loan that fits your practice comfortably.

A personal credit score of 630 or higher

We work with healthcare owners across a wide range of credit backgrounds.

Get your funding, fast

Secure your medical practice funding in 3 simple steps.

Accessing capital shouldn’t be complicated. IOU Financial makes it easy for medical practice and pharmacy owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few days.

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Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.

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