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Medical practice funding with bad credit

A weak score narrows the options and does not close them. Here are the actual floors, and what carries more weight than the score does.

What each score actually opens

650 and aboveThe full menu, including the lowest-cost line of credit and term loan.
600 to 649Revenue-based funding. Faster and more forgiving on time in business and existing positions, at a higher cost of capital.
550 to 599A renewal on an existing facility, once 50% of the original balance is repaid.
Below 550Below every published floor. Bank activity over the next few months is what moves it.

What outweighs the score

The score decides which product you are read against. The bank statements decide the outcome, and they carry more weight than most people expect.

Average daily balance near 10% of monthly revenue
8 or more deposits a month, showing revenue arrives steadily
Under 3 negative days a month and under 6 NSFs
Time in business — the single strongest input
No more than two existing positions
Insurance reimbursement is the defining cash-flow problem in a medical practice. The work is done, the claim is filed, and the money arrives 30 to 90 days later while payroll runs every two weeks.

Common questions

Can medical practices get funding with bad credit?

Revenue-based funding starts at a 600 credit score with 6 months in business and $60,000 in verifiable revenue.

What is the lowest credit score accepted?

600 for revenue-based funding. 550 on a renewal of an existing facility.

Does bad credit mean a higher rate?

Generally yes. A weaker score points the file at revenue-based products, which cost more than the bank-style tier.

Will applying lower my score further?

No. Checking what you qualify for does not affect your credit score.

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