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● LOC · 4 daysMulti-doctor dental group · Phoenix, AZ
“We needed a $350K line sized against a growing A/R. Our bank wanted 90 days. Berkman took four.”
Facility
$350,000
Use
A/R bridge + capex
Term
24mo revolving
Practice capital that respects how you actually get paid.
Insurance aging reports, 45-day reimbursement cycles, equipment financing that can't wait on a bank committee. We underwrite to the realities of a practice P&L.
What we fund
Built for dentists, specialists, and clinical groups.
Typical deal shape
What a healthcare deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$25K – $2M
Typical speed to funding2–4 days
Common deal size$180K
Across 720 practices funded to date. Healthcare files trend higher due to equipment purchases.
Products we usually pair
The capital shapes that fit this industry.
For practices, a line of credit is the most common product — draw when insurance is slow, repay when it clears. AR financing against payer receivables is a close second.
LOC01 / 03
Business Line of Credit
Revolving credit — draw, repay, repeat. Pay interest only on what you use.
See product
AR02 / 03
Invoice Financing
Turn unpaid invoices into cash in 24 hours. Best for B2B with NET terms.
See product
EFP03 / 03
Equipment Financing
Asset-secured term loan against the equipment you're buying. Longer terms, lower rates.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you fund practices accepting mostly insurance vs cash-pay?+
Both. For insurance-heavy files we lean on A/R financing. Cash-pay practices (ortho, cosmetic) usually qualify for larger LOCs.
Can I finance a practice acquisition?+
We bridge to SBA or conventional — meaning we fund the deposit, diligence, and early operations so you close on schedule.
What do you need from a multi-provider group?+
Last 3 months of bank statements for each entity, a current A/R aging, and a brief note on ownership structure.
How do your rates compare to medical equipment financiers?+
Competitive on sub-$200K deals, often faster. Above that, dedicated equipment lenders may beat us on rate — we'll tell you if they will.