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 says 90 days for SBA. The seller has another offer.
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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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. Our SBA lenders close in 30-45 days so you don't lose the opportunity to a hospital system or PE group.
What You're Up Against
The Real Challenges Primary Cares Face
Pricing Transparency
What Primary Care Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Primary Care Capital Uses
What Primary Care Businesses Use Funding For
Practice Acquisition
Buy an existing practice. Dental, medical, vet, chiropractic. SBA loans with 10% down available.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $10M+
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. Our SBA lenders close in 30. One application. 60 seconds. No credit hit.
Stop Waiting on Banks. Get Your Primary Care Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide