What types of physician practice loans are available?

Through our lender network, physicians can access startup loans ($50K-$250K), equipment financing (up to $100K), and lines of credit ($25K-$150K) — all structured for medical practice startups.

What's the best physician practice loan for starting a DPC?

For most DPC launches, a startup loan in the $75K-$200K range covers buildout, equipment, and 6-12 months of working capital. Many physicians pair a startup loan with an equipment lease and a small line of credit for flexibility.

What are the requirements for a physician practice loan?

Requirements include being a licensed physician or APP, having a solid business plan, and a credit profile acceptable to the lender. We connect practices to lenders; underwriting decisions are made by the lender.

How long does the approval process for medical practice startup loans take?

Most applications are reviewed within 2-3 weeks. Startup loan funding typically lands 30-45 days after approval.

Can I get medical practice startup financing while still employed?

Yes. Many physicians begin the financing process while still employed at their existing position — using current employment income to strengthen the loan application before transitioning.

Practice Financing

Medical practice loans for DPC startups

Physician practice loans from $50K–$250K. Equipment financing and lines of credit designed specifically for DPC and specialty practices. We connect you with vetted lenders who specialize in physician financing.

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How We Help

We connect practices to lenders experienced in physician and DPC financing — we don't originate loans ourselves. Terms, eligibility, and approval are set by the lender.

Loan amounts and rates vary by lender, credit profile, and practice stage.

Launching a Direct Primary Care practice requires upfront capital for office build-out, medical equipment, technology systems, and initial operating expenses. Freedom Healthworks connects physicians with vetted lending partners who specialize in physician financing—offering startup loans from $50K to $250K, equipment financing up to $100K, and flexible lines of credit designed for healthcare entrepreneurs.

Unlike generic small-business lenders, these partners understand DPC revenue models, panel ramp-up timelines, and the unique financial profile of physician borrowers. Many physicians begin the financing process while still employed, allowing them to secure capital before giving notice. Our team can help you evaluate which financing structure fits your practice plan during a free consultation.

Competitive rates. Access rates typically reserved for established practices.

Growth focused. Financing structured around DPC practice growth patterns.

Physician-first. Terms designed by people who understand healthcare.

Financing solutions.

Choose the option that best fits your practice needs.

Startup Loans

$50K - $250K

Low-interest loans specifically designed for new DPC practice launches.

Competitive rates

Flexible terms up to 7 years

No prepayment penalties

Quick approval process

Equipment Financing

Up to $100K

Finance medical equipment with predictable monthly payments.

100% equipment financing

Tax advantages

Preserve working capital

Fast funding

Line of Credit

$25K - $150K

Flexible access to capital when you need it most.

Only pay interest on what you use

Revolving credit

Build credit history

Emergency fund access

Financing Questions

Common questions about medical practice loans and DPC financing.

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Ready to Move Forward?

Schedule a call to discuss your financing needs and options.