Healthcare Loans & Financing Services
The healthcare industry faces unique financial pressures that make access to capital essential. Delayed reimbursements create gaps in cash flow, staffing demands during peak seasons raise operational cost, and investments in new medical facilities or equipment often require significant upfront funding. At Sunwest Bank, we provide healthcare lending solutions designed to help providers, health systems, and medical practices overcome these challenges. Our team specializes in practice loans and custom financing strategies that reflect reimbursement cycles, regulatory requirements, and the realities of caring for patients.
Loan & Lending Solutions for Your Needs
Every healthcare practice has different needs. Some require funding to purchase or renovate medical office space, others need short-term working capital to bridge reimbursement delays, and many rely on practice loans to invest in dental or medical equipment. Sunwest Bank delivers a wide range of loans and financing services built to help hospitals, practices, and healthcare companies overcome these challenges, with competitive rates and responsive credit approval.
Cash Flow Term Loans
Purpose: Stabilize operations and provide working capital.
Use Cases: Cover payroll during reimbursement delays, refinance existing debt, manage accounts receivable, or pay vendor expenses.
Features:
- Fixed or variable rate loans available
- Flexible amortization schedules
- Healthcare specific underwriting approach
Cash flow practice loans help medical practices, hospitals, and dental providers maintain stability during unpredictable reimbursement cycles.
Healthcare Real Estate Loans
Purpose: Purchase, renovate, or refinance medical facilities.
Use Cases: Medical offices, outpatient centers, dental clinics, rehabilitation facilities, or hospitals.
Features:
- Competitive loan to value ratios
- Construction to permanent financing options
- Fixed and variable terms available
Healthcare real estate loans allow practices to expand into new office space, improve patient care environments, and build long term value in medical property investments.
Working Capital and Supply Chain Finance
Purpose: Provide liquidity and keep operations running smoothly.
Use Cases: Staffing, purchasing medical or dental equipment, inventory, or vendor payments:
- Revolving lines of credit with customized draw schedules
- Simplified renewals and flexible covenants
- Fast credit approval for urgent needs
Working capital practice loans ensure healthcare providers can manage day to day costs, address supply chain finance challenges, and continue serving patients without interruption.
SBA & USDA Lending
Purpose: Deliver government backed financing for healthcare businesses.
Use Cases: Facility acquisitions, rural practice development, dental or medical practice expansion, refinancing existing loans.
Features:
- Access to SBA 7(a), 504, and USDA loan programs
- Lower down payments with favorable structures
- Extended repayment periods with flexible terms
Government backed loans provide healthcare practices with financing options that reduce investment risks while supporting acquisitions, expansions, and long term stability.
Want To See More Business Loan Options?
See all of the commercial loan options available to those in the medical and healthcare space and beyond.
The Sunwest Bank Advantage
At Sunwest Bank, we know that choosing a lending partner is more than simply securing capital. Healthcare providers need a bank that understands the complexity of reimbursement cycles, the financial strain of rising costs, and the pressure to deliver high quality care while keeping operations efficient. That’s why our healthcare lending team offers:
- Fast, consultative decision-making
- Dedicated and experienced healthcare lending specialists
- Industry-specific underwriting
- Relationship-based servicing
- Tailored cash flow solutions for revenue cycle management and accounts payable
These advantages give healthcare businesses access to more than just loans, they provide the long-term benefits of a financial partner invested in your success. By combining competitive financing with relationship-driven service, Sunwest Bank helps practices, hospitals, and health systems manage costs, support growth, and continue focusing on patients.
Frequently Asked Questions
What types of healthcare loans are available?
Sunwest Bank offers cash flow term loans, medical real estate loans, practice loans, working capital financing, and government backed SBA or USDA loan programs.
Can healthcare loans be used to purchase medical or dental equipment?
Yes. Healthcare lending solutions can cover the cost of purchasing or upgrading essential medical and dental equipment, from imaging machines to office technology, helping practices stay current with patient care standards.
Can dental practices apply for healthcare loans?
Dental practices benefit from the same financing options as medical groups and hospitals, including practice loans for equipment, office space expansion, and patient care improvements.
How do healthcare loans support practices during reimbursement delays?
Loans and revolving lines of credit provide short-term working capital that bridges cash flow gaps caused by slow insurance reimbursements, ensuring payroll, vendor costs, and patient care are not disrupted.
Why should healthcare providers choose Sunwest Bank for lending?
Sunwest Bank specializes in healthcare lending with decades of experience, competitive rates, fast credit approval, and customized financing services. We act as a partner to help practices expand, manage costs, and invest in equipment or facilities with confidence.