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Medical & Healthcare Practices (Non-Hospital)

Urgent Care, Chiropractic, Vision, Dental, Family & Specialty Clinics, and More

From private practices and dental offices to physical therapy clinics and outpatient labs — healthcare businesses often generate steady revenue, but their financial structure lags behind their operational growth. Many are built on personal guarantees, siloed accounts, or legacy credit structures, making them vulnerable to capital friction and lender skepticism.

Common Painpoints

Equipment financing tied to personal credit • No E.I.N.-based credit profile or commercial borrowing history • Difficulty securing favorable terms for expansion, renovation, or staffing • Poor fundability scores despite years in business • Missed opportunities for strategic capital due to compliance gaps

Vision For Success

A healthcare business with clear financial separation, compliant reporting, and access to institutional funding — all without placing personal assets or credit at risk. Practices that build credit on their E.I.N., optimize their internal structure, and present lender-ready documentation are more resilient, scalable, and competitive.

>70%
More than 70% of private practice owners use personal credit to finance business expenses — including leases, equipment, or lines of credit.
National Association of Healthcare Business Consultants (NAHBC)
33%
Only 1 in 3 Medical practices under $10M have a formal business credit file with all three major bureaus.
Experian Business Credit Insights
68%
68% of healthcare business loan denials are tied to unclear documentation or inconsistent financials — not actual revenue issues.
Medical Group Management Association (MGMA)
45%
45% of outpatient care providers say “access to affordable capital” is a key barrier to hiring, expansion, or service upgrades.
Modern Healthcare Finance Trends Report

Solutions For 

Medical & Healthcare Practices (Non-Hospital)

E.I.N.-Based Credit Development

Many providers rely on personal credit to finance medical equipment, lease space, or access working capital. We help practices establish and grow credit under their business’s E.I.N., making them visible to lenders and vendors.

Cost of Capital Optimization

Private healthcare practices often carry high-interest debt from startup loans, equipment financing, or short-term working capital. We help reduce rates and align your financial profile with institutional lending standards.

Corporate Credit Compliance

From outdated entity filings to inconsistent documentation, even strong practices can be flagged as risky. We align your structure, reporting, and public records so you meet the compliance standards lenders, suppliers, and payers expect.

Capital Positioning & Fundability Readiness

Whether you're expanding to a new location, bringing on staff, or adding service lines, we help ensure you're ready to secure the financing you need — without red flags.

Institutional Trust Building

Lenders and payer networks want to see consistent, compliant, and professionally presented practices. We help elevate the way your practice is perceived — financially and operationally.

Ready for the Next Steps?

Take positive action towards measurable results within your business.
Standing Strong Without a Signature

How a Multi-Clinic Rehab Provider Eliminated Personal Guarantees and Secured $500K in Growth Capital

Medical Healthcare (Non-Hospital)
A growing physical therapy provider replaced high-interest debt with structured capital and unlocked institutional funding—all without personal guarantees.

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