Business Financing for Healthcare & Medical Practices
Practice acquisition, equipment leasing, and working capital for healthcare providers who can't wait months for insurance reimbursements.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
Insurance reimbursements take 60–90 days
You see the patient today, bill the insurer tomorrow, and get paid in 2–3 months. Meanwhile, staff salaries, rent, and supplies don't wait.
Medical equipment is a massive investment
An MRI machine costs $1M+. Even basic diagnostic equipment runs $50K–$200K. Keeping up with technology means constant capital needs.
Practice acquisitions require speed
A retiring physician puts their practice on the market. Multiple buyers are interested. If you can't move fast with financing, someone else will.
Staffing costs keep rising
Nurses, technicians, administrative staff — healthcare labor costs are surging. Scaling your team means fronting payroll before revenue catches up.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Medical Receivables Financing
Convert outstanding insurance claims into immediate cash. Bridge the 60–90 day gap between service and reimbursement.
Practice Acquisition Loans
Finance the purchase of an existing practice with competitive terms. Includes goodwill, patient lists, and equipment.
Equipment Leasing
Lease diagnostic equipment, imaging systems, and office technology. Preserve cash while keeping your practice current.
SBA Loans
Access SBA 7(a) loans with favorable terms for medical practices. Lower down payments and extended repayment schedules.
Working Capital
Cover payroll, supplies, and overhead during reimbursement delays. Keep your practice running smoothly between payments.
Expansion Funding
Finance new locations, additional operatories, or expanded service lines. Grow your practice without depleting reserves.
Custom capabilities can be configured for your specific workflow
“Insurance reimbursements were killing our cash flow. Breakwater set us up with receivables financing that turned 90-day waits into same-week funding. We hired two new providers the next quarter.”
— Practice Administrator
Nashville, TN
Ready to transform your healthcare & medical?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible