This Is Why You're Here
Why Primary Cares Come to Us Instead of Their Bank
Your insurance reimbursements are running 60 days behind. Staff payroll is $48K this month and your operating account has $22K. You need $30K in bridge capital by Friday.
A retiring physician nearby is selling their practice — 2,200 patients and $900K in annual revenue. Your bank wants 90 days to process. The seller has another offer and revenue-based capital stacking closes acquisitions in 21-30 days.
You're adding a nurse practitioner to handle patient overflow. Salary, credentialing, and exam room setup cost $40K before they see their first patient.
Your EHR system is sunsetting and the migration to a new platform costs $55K — data transfer, hardware, training, three months of parallel systems. You can't skip it because your billing stops if the old system dies.
Medicare just changed reimbursement codes and your revenue dropped 18% overnight. You need $25K to cover the next two payroll cycles while your billing team resubmits 400 claims under the new codes.
Insurance owed us $187K and payroll was due in 4 days. Basecamp got us $75K in working capital overnight. We didn't skip a single paycheck.
Dr. Angela R., Family Medicine Physician, Columbus, OH
Primary Care Financing
Get Your Primary Care Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Primary Care Businesses Choose Basecamp
We Fund Around Reimbursement Cycles
Insurance pays you in 45-75 days. Payroll hits every two weeks. We match you with lenders who build reimbursement gaps into their underwriting so you're not sweating every claim.
NP and PA Hiring Capital Ready
Adding a mid-level provider costs $40K before they see patient one — credentialing, salary ramp, exam room setup. We fund that hiring gap so you can grow your panel.
Multi-Payer Revenue Is a Strength
Your revenue comes from Medicare, Medicaid, commercial payers, and self-pay. Banks see complexity. Our lenders see diversified income and lower risk.
Practice Acquisitions in 30 Days
Retiring PCPs sell fast. Banks take 90 days. Capital stacking through revenue-based lenders closes in 21-30 days. Real estate for the building, equipment for the exam rooms, working capital for transition — coordinated through one specialist.
Bobby's Take
Bobby's Playbook for Primary Care
Most primary care practice owners are evaluated by banks the same way a retail shop is — top-line revenue, profit margin, two years of returns. What banks miss is that panel-of-3,500-patient capitation plus fee-for-service reimbursement across Medicare, commercial, and Medicaid generates predictable cash flow that doesn't show up in P&L the way bankers expect. The specialists who fund primary care practices know to read your Medicare and commercial payer-mix and panel-stability metrics. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a primary care transaction closes: payer mix and average reimbursement per visit, panel size and patient retention, and provider productivity (visits per provider per day). Not your personal FICO. Not your years in business. Specialist primary care lenders care about whether your monthly insurance receivables support a $2,500-$5,000/month payment — and whether your panel is sticky enough to underwrite the loan against the practice's recurring revenue.
The biggest mistake primary care operators make: applying with insurance receivables aged the same way as cash deposits. The lender sees A/R aging out 60-90 days and prices the file for slow collections. The fix: produce a payer-mix breakdown showing average days-to-payment per payer. Specialist primary care lenders price commercial and Medicare receivables much faster than the headline aging suggests. Generalist lenders apply general A/R aging assumptions and underwrite conservatively.
annual panel revenue lost when a hospital system closes the acquisition first
Where this gets interesting at scale: a primary care practice adding a provider, expanding to a second exam suite, or acquiring an exiting solo practice doesn't need ONE loan. They need a revenue-based term loan against current panel cash flow to cover the acquisition or expansion + a working capital line for credentialing-period payroll + equipment financing for new exam-room and EMR build-out (see /loans/business-acquisition for the full structure). Three products, three lenders, one application — that's how solo primary care practices grow to small group practices without bleeding cash during credentialing.
The primary care operators who scale fastest aren't the ones who waited for a perfect quarter. They're the ones who structured financing so they could acquire a retiring solo's panel before a hospital system did. Every quarter you delay an acquisition is the panel migrating to whoever closes first. Losing a 1,200-patient panel acquisition to a hospital system is $150,000-$300,000 in annual revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your primary care practice this week.
Bottom line:
Primary care practices lose retiring solo's panels to hospital systems by waiting on a bank that ignores payer-mix days-to-payment. Specialists close the acquisition before the system does.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Primary Cares Face
Pricing Transparency
What Primary Care Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Primary Cares
Finance the equipment. Keep your cash. Take the deduction. Your point-of-care lab costs $22,750 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your practice, specialty, and monthly receipts. No HIPAA-sensitive uploads.
Soft Credit Screen
We screen options with no impact on personal FICO or practice commercial credit.
Healthcare-Specialty Lenders Compete
70+ lenders who fund dentists, primary care, vets, and specialty practices review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and SBA structures with full transparency.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to install equipment, hire staff, or cover the insurance reimbursement gap.
Primary Care Capital Uses
What Primary Care Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. Term loans + equipment financing + working capital stacked. Revenue-based underwriting through 70+ specialty lenders.
Medical Equipment
Lasers, imaging machines, dental chairs, surgical tools. Equipment financing with the device as collateral.
Payroll & Staffing
Cover payroll during reimbursement delays. Hire hygienists, techs, front desk staff. Retain your best people.
Buildout & Renovation
New exam rooms, waiting room remodel, second location buildout. Create the space your patients deserve.
Technology & EHR
Electronic health records, practice management, telehealth platforms, patient portals.
Marketing & Growth
Google Ads, patient acquisition, website redesign, reputation management. Fill your schedule.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your primary care business?
Practice insurance — malpractice, general liability, property — is required before most equipment financing closes. InsuranceService365.com covers healthcare practices across 29 states.
Don't Wait Until You Need Funding to Get Funded
Insurance reimbursement runs 30-60 days behind the procedure. The practices that grow steadily are the ones that pre-qualified BEFORE they needed to bridge the gap. By the time payroll is tight or the imaging machine is past warranty, underwriting is harder. Pre-qualify when the schedule is full — that's when lenders are most generous.
Ready?
See What Your Primary Care Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Healthcare Practices Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Primary Care Businesses
Working Capital
Bridge insurance reimbursement delays. Funded in 24 hours.
Learn More →Equipment Financing
Finance imaging, chairs, and medical devices — asset-backed rates.
Learn More →SBA Loans
Practice acquisition, buildout, and expansion at government-backed rates.
Learn More →Business Line of Credit
Revolving access for supplies, staffing, and operational expenses.
Learn More →FAQs
Primary Care Business Loan FAQs
Primary Care Practice Loans & Physician Financing — $10K to $20M+
Here's the thing about primary care — you've got $187K in outstanding insurance claims and payroll is due Friday. That's not a cash flow problem. That's an insurance timing problem. And banks don't know the difference. Your practice deposits $50K a month like clockwork. The money's coming. You just need $30K-$75K to bridge the gap until it lands.
Look. I talk to PCPs every week who are turning down new patients because they can't afford to hire an NP. Adding a mid-level costs $40K upfront — salary, credentialing, exam room setup. But that provider adds $15K a month in collections within 90 days. The math works. You just need someone to fund the ramp. And if you're eyeing a retiring doc's practice with 2,200 patients? Your bank needs 90 days. Revenue-based capital stacking closes acquisitions in 21-30 days — goodwill, equipment, and working capital coordinated through one specialist. One application. 60 seconds. No credit hit.
Stop Watching Reimbursement Lag Drain Your Reserves. Get Your Primary Care Practice Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide